Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,311Cash toward the purchase price.
Closing costs + prepaids$12,739Not just lender fees.
Before credits & paid funds$48,050The complete starting cash picture.
Estimated remaining funds due at closing
$48,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,311.03
Your down payment$35,311.03
Closing costs + prepaids$12,739.19
Total buyer cash needed$48,050.22
Remaining funds due$48,050.22
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,698.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$489.00
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$1,283.75
Fees + prepaids$12,739.19
Your down payment is the seller’s equity. You take over the $339,689 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $48,050.22 is due at closing. Uses and sources reconcile at $387,739.19 each. Not a Closing Disclosure.