Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$48,552Cash toward the purchase price.
Closing costs + prepaids$13,094Not just lender fees.
Before credits & paid funds$61,647The complete starting cash picture.
Estimated remaining funds due at closing
$61,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,552.38
Your down payment$48,552.38
Closing costs + prepaids$13,094.21
Total buyer cash needed$61,646.59
Remaining funds due$61,646.59
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,602.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$929.75
Initial HOA (3 months)$37.50
Prepaid interest, first (29 days)$1,616.72
Fees + prepaids$13,094.21
Your down payment is the seller’s equity. You take over the $320,448 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $61,646.59 is due at closing. Uses and sources reconcile at $382,094.21 each. Not a Closing Disclosure.