Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$43,997Cash toward the purchase price.
Closing costs + prepaids$13,209Not just lender fees.
Before credits & paid funds$57,206The complete starting cash picture.
Estimated remaining funds due at closing
$57,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,996.51
Your down payment$43,996.51
Closing costs + prepaids$13,209.38
Total buyer cash needed$57,205.89
Remaining funds due$57,205.89
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,629.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,206.75
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$1,306.11
Fees + prepaids$13,209.38
Your down payment is the seller’s equity. You take over the $325,903 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $57,205.89 is due at closing. Uses and sources reconcile at $383,109.38 each. Not a Closing Disclosure.