Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,722Cash toward the purchase price.
Closing costs + prepaids$10,635Not just lender fees.
Before credits & paid funds$48,356The complete starting cash picture.
Estimated remaining funds due at closing
$48,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,721.75
Your down payment$37,721.75
Closing costs + prepaids$10,634.60
Total buyer cash needed$48,356.35
Remaining funds due$48,356.35
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%)$3,215.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,418.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$48.00
Prepaid interest, first (27 days)$734.71
Fees + prepaids$10,634.60
Your down payment is the seller’s equity. You take over the $283,778 balance, so the rest of the $321,500 price is paid at closing. A second mortgage can cover part of it. $48,356.35 is due at closing. Uses and sources reconcile at $332,134.60 each. Not a Closing Disclosure.