Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$31,156Cash toward the purchase price.
Closing costs + prepaids$12,543Not just lender fees.
Before credits & paid funds$43,699The complete starting cash picture.
Estimated remaining funds due at closing
$43,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,156.19
Your down payment$31,156.19
Closing costs + prepaids$12,542.97
Total buyer cash needed$43,699.16
Remaining funds due$43,699.16
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,718.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$257.01
Prepaid interest, first (24 days)$1,600.25
Fees + prepaids$12,542.97
Your down payment is the seller’s equity. You take over the $343,744 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $43,699.16 is due at closing. Uses and sources reconcile at $387,442.97 each. Not a Closing Disclosure.