Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,403Cash toward the purchase price.
Closing costs + prepaids$12,237Not just lender fees.
Before credits & paid funds$46,640The complete starting cash picture.
Estimated remaining funds due at closing
$46,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,403.22
Your down payment$34,403.22
Closing costs + prepaids$12,236.82
Total buyer cash needed$46,640.04
Remaining funds due$46,640.04
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%)$1,677.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$761.00
Initial HOA (3 months)$111.99
Prepaid interest, first (27 days)$769.34
Fees + prepaids$12,236.82
Your down payment is the seller’s equity. You take over the $335,497 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $46,640.04 is due at closing. Uses and sources reconcile at $382,136.82 each. Not a Closing Disclosure.