Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,214Cash toward the purchase price.
Closing costs + prepaids$13,188Not just lender fees.
Before credits & paid funds$36,402The complete starting cash picture.
Estimated remaining funds due at closing
$36,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,214.32
Your down payment$23,214.32
Closing costs + prepaids$13,188.03
Total buyer cash needed$36,402.35
Remaining funds due$36,402.35
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,678.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,786.00
Initial HOA (3 months)$32.49
Prepaid interest, first (26 days)$882.61
Fees + prepaids$13,188.03
Your down payment is the seller’s equity. You take over the $335,786 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $36,402.35 is due at closing. Uses and sources reconcile at $372,188.03 each. Not a Closing Disclosure.