Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,037Cash toward the purchase price.
Closing costs + prepaids$13,420Not just lender fees.
Before credits & paid funds$47,458The complete starting cash picture.
Estimated remaining funds due at closing
$47,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,037.24
Your down payment$34,037.24
Closing costs + prepaids$13,420.31
Total buyer cash needed$47,457.55
Remaining funds due$47,457.55
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%)$3,611.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,635.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$576.00
Initial HOA (3 months)$792.00
Prepaid interest, first (25 days)$1,586.51
Fees + prepaids$13,420.31
Your down payment is the seller’s equity. You take over the $327,162 balance, so the rest of the $361,199 price is paid at closing. A second mortgage can cover part of it. $47,457.55 is due at closing. Uses and sources reconcile at $374,619.31 each. Not a Closing Disclosure.