Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,918Cash toward the purchase price.
Closing costs + prepaids$13,541Not just lender fees.
Before credits & paid funds$59,459The complete starting cash picture.
Estimated remaining funds due at closing
$59,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,918.36
Your down payment$45,918.36
Closing costs + prepaids$13,540.51
Total buyer cash needed$59,458.87
Remaining funds due$59,458.87
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%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,690.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$23.00
Initial HOA (3 months)$1,056.00
Prepaid interest, first (27 days)$1,713.10
Fees + prepaids$13,540.51
Your down payment is the seller’s equity. You take over the $338,082 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $59,458.87 is due at closing. Uses and sources reconcile at $397,540.51 each. Not a Closing Disclosure.