Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,663Cash toward the purchase price.
Closing costs + prepaids$12,570Not just lender fees.
Before credits & paid funds$39,233The complete starting cash picture.
Estimated remaining funds due at closing
$39,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,662.60
Your down payment$26,662.60
Closing costs + prepaids$12,569.90
Total buyer cash needed$39,232.50
Remaining funds due$39,232.50
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,661.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.75
Initial HOA (3 months)$342.00
Prepaid interest, first (23 days)$1,344.46
Fees + prepaids$12,569.90
Your down payment is the seller’s equity. You take over the $332,337 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $39,232.50 is due at closing. Uses and sources reconcile at $371,569.90 each. Not a Closing Disclosure.