Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$44,309Cash toward the purchase price.
Closing costs + prepaids$13,955Not just lender fees.
Before credits & paid funds$58,264The complete starting cash picture.
Estimated remaining funds due at closing
$58,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,309.39
Your down payment$44,309.39
Closing costs + prepaids$13,954.57
Total buyer cash needed$58,263.96
Remaining funds due$58,263.96
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,652.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,301.75
Initial HOA (3 months)$480.00
Prepaid interest, first (27 days)$1,552.87
Fees + prepaids$13,954.57
Your down payment is the seller’s equity. You take over the $330,591 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $58,263.96 is due at closing. Uses and sources reconcile at $388,854.57 each. Not a Closing Disclosure.