Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,679Cash toward the purchase price.
Closing costs + prepaids$12,623Not just lender fees.
Before credits & paid funds$48,302The complete starting cash picture.
Estimated remaining funds due at closing
$48,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,678.83
Your down payment$35,678.83
Closing costs + prepaids$12,623.06
Total buyer cash needed$48,301.89
Remaining funds due$48,301.89
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,596.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.00
Initial HOA (3 months)$236.01
Prepaid interest, first (24 days)$1,505.45
Fees + prepaids$12,623.06
Your down payment is the seller’s equity. You take over the $319,321 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $48,301.89 is due at closing. Uses and sources reconcile at $367,623.06 each. Not a Closing Disclosure.