Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$42,316Cash toward the purchase price.
Closing costs + prepaids$12,590Not just lender fees.
Before credits & paid funds$54,906The complete starting cash picture.
Estimated remaining funds due at closing
$54,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,316.26
Your down payment$42,316.26
Closing costs + prepaids$12,590.00
Total buyer cash needed$54,906.26
Remaining funds due$54,906.26
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,638.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$925.00
Initial HOA (3 months)$31.26
Prepaid interest, first (24 days)$1,077.32
Fees + prepaids$12,590.00
Your down payment is the seller’s equity. You take over the $327,684 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $54,906.26 is due at closing. Uses and sources reconcile at $382,590.00 each. Not a Closing Disclosure.