Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,328Cash toward the purchase price.
Closing costs + prepaids$14,010Not just lender fees.
Before credits & paid funds$52,339The complete starting cash picture.
Estimated remaining funds due at closing
$52,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,328.41
Your down payment$38,328.41
Closing costs + prepaids$14,010.48
Total buyer cash needed$52,338.89
Remaining funds due$52,338.89
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%)$1,658.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,406.75
Initial HOA (3 months)$225.99
Prepaid interest, first (28 days)$1,801.39
Fees + prepaids$14,010.48
Your down payment is the seller’s equity. You take over the $331,672 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $52,338.89 is due at closing. Uses and sources reconcile at $384,010.48 each. Not a Closing Disclosure.