Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$26,645Cash toward the purchase price.
Closing costs + prepaids$12,971Not just lender fees.
Before credits & paid funds$39,617The complete starting cash picture.
Estimated remaining funds due at closing
$39,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,645.50
Your down payment$26,645.50
Closing costs + prepaids$12,971.37
Total buyer cash needed$39,616.87
Remaining funds due$39,616.87
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%)$3,570.46
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,652.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$892.50
Initial HOA (3 months)$39.99
Prepaid interest, first (27 days)$1,598.41
Fees + prepaids$12,971.37
Your down payment is the seller’s equity. You take over the $330,401 balance, so the rest of the $357,046 price is paid at closing. A second mortgage can cover part of it. $39,616.87 is due at closing. Uses and sources reconcile at $370,017.37 each. Not a Closing Disclosure.