Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$39,054Cash toward the purchase price.
Closing costs + prepaids$13,188Not just lender fees.
Before credits & paid funds$52,242The complete starting cash picture.
Estimated remaining funds due at closing
$52,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,054.39
Your down payment$39,054.39
Closing costs + prepaids$13,187.86
Total buyer cash needed$52,242.25
Remaining funds due$52,242.25
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,654.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$924.75
Initial HOA (3 months)$62.49
Prepaid interest, first (28 days)$1,629.39
Fees + prepaids$13,187.86
Your down payment is the seller’s equity. You take over the $330,846 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $52,242.25 is due at closing. Uses and sources reconcile at $383,087.86 each. Not a Closing Disclosure.