Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$28,435Cash toward the purchase price.
Closing costs + prepaids$14,360Not just lender fees.
Before credits & paid funds$42,795The complete starting cash picture.
Estimated remaining funds due at closing
$42,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,435.02
Your down payment$28,435.02
Closing costs + prepaids$14,360.35
Total buyer cash needed$42,795.37
Remaining funds due$42,795.37
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%)$3,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,632.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,291.00
Initial HOA (3 months)$330.00
Prepaid interest, first (22 days)$1,340.03
Fees + prepaids$14,360.35
Your down payment is the seller’s equity. You take over the $326,465 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $42,795.37 is due at closing. Uses and sources reconcile at $369,260.35 each. Not a Closing Disclosure.