Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$37,210Cash toward the purchase price.
Closing costs + prepaids$12,685Not just lender fees.
Before credits & paid funds$49,895The complete starting cash picture.
Estimated remaining funds due at closing
$49,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,210.03
Your down payment$37,210.03
Closing costs + prepaids$12,684.58
Total buyer cash needed$49,894.61
Remaining funds due$49,894.61
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%)$3,559.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,593.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$889.75
Initial HOA (3 months)$105.00
Prepaid interest, first (23 days)$1,319.38
Fees + prepaids$12,684.58
Your down payment is the seller’s equity. You take over the $318,690 balance, so the rest of the $355,900 price is paid at closing. A second mortgage can cover part of it. $49,894.61 is due at closing. Uses and sources reconcile at $368,584.58 each. Not a Closing Disclosure.