Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$36,507Cash toward the purchase price.
Closing costs + prepaids$11,894Not just lender fees.
Before credits & paid funds$48,401The complete starting cash picture.
Estimated remaining funds due at closing
$48,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,506.78
Your down payment$36,506.78
Closing costs + prepaids$11,894.00
Total buyer cash needed$48,400.77
Remaining funds due$48,400.77
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%)$3,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,427.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.25
Initial HOA (3 months)$1,200.00
Prepaid interest, first (22 days)$528.28
Fees + prepaids$11,894.00
Your down payment is the seller’s equity. You take over the $285,493 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $48,400.77 is due at closing. Uses and sources reconcile at $333,894.00 each. Not a Closing Disclosure.