Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$46,379Cash toward the purchase price.
Closing costs + prepaids$12,823Not just lender fees.
Before credits & paid funds$59,203The complete starting cash picture.
Estimated remaining funds due at closing
$59,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,379.21
Your down payment$46,379.21
Closing costs + prepaids$12,823.49
Total buyer cash needed$59,202.70
Remaining funds due$59,202.70
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,413.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$629.25
Initial HOA (3 months)$1,536.00
Prepaid interest, first (28 days)$737.14
Fees + prepaids$12,823.49
Your down payment is the seller’s equity. You take over the $282,621 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $59,202.70 is due at closing. Uses and sources reconcile at $341,823.49 each. Not a Closing Disclosure.