Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$38,934Cash toward the purchase price.
Closing costs + prepaids$12,625Not just lender fees.
Before credits & paid funds$51,559The complete starting cash picture.
Estimated remaining funds due at closing
$51,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,934.36
Your down payment$38,934.36
Closing costs + prepaids$12,625.13
Total buyer cash needed$51,559.49
Remaining funds due$51,559.49
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%)$1,600.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$605.50
Initial HOA (3 months)$260.01
Prepaid interest, first (23 days)$1,351.29
Fees + prepaids$12,625.13
Your down payment is the seller’s equity. You take over the $320,066 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $51,559.49 is due at closing. Uses and sources reconcile at $371,625.13 each. Not a Closing Disclosure.