Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$46,016Cash toward the purchase price.
Closing costs + prepaids$12,964Not just lender fees.
Before credits & paid funds$58,980The complete starting cash picture.
Estimated remaining funds due at closing
$58,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,016.20
Your down payment$46,016.20
Closing costs + prepaids$12,964.28
Total buyer cash needed$58,980.48
Remaining funds due$58,980.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,689.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$320.50
Prepaid interest, first (29 days)$1,895.86
Fees + prepaids$12,964.28
Your down payment is the seller’s equity. You take over the $337,984 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $58,980.48 is due at closing. Uses and sources reconcile at $396,964.28 each. Not a Closing Disclosure.