Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,124Cash toward the purchase price.
Closing costs + prepaids$12,231Not just lender fees.
Before credits & paid funds$57,354The complete starting cash picture.
Estimated remaining funds due at closing
$57,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,123.73
Your down payment$45,123.73
Closing costs + prepaids$12,230.76
Total buyer cash needed$57,354.49
Remaining funds due$57,354.49
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,549.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$651.25
Initial HOA (3 months)$132.99
Prepaid interest, first (28 days)$1,129.14
Fees + prepaids$12,230.76
Your down payment is the seller’s equity. You take over the $309,876 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $57,354.49 is due at closing. Uses and sources reconcile at $367,230.76 each. Not a Closing Disclosure.