Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$43,896Cash toward the purchase price.
Closing costs + prepaids$12,698Not just lender fees.
Before credits & paid funds$56,594The complete starting cash picture.
Estimated remaining funds due at closing
$56,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,896.28
Your down payment$43,896.28
Closing costs + prepaids$12,697.70
Total buyer cash needed$56,593.97
Remaining funds due$56,593.97
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%)$3,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,555.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,116.25
Initial HOA (3 months)$38.76
Prepaid interest, first (26 days)$1,220.67
Fees + prepaids$12,697.70
Your down payment is the seller’s equity. You take over the $311,004 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $56,593.97 is due at closing. Uses and sources reconcile at $367,597.70 each. Not a Closing Disclosure.