Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,541Cash toward the purchase price.
Closing costs + prepaids$12,145Not just lender fees.
Before credits & paid funds$61,686The complete starting cash picture.
Estimated remaining funds due at closing
$61,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,540.89
Your down payment$49,540.89
Closing costs + prepaids$12,145.09
Total buyer cash needed$61,685.98
Remaining funds due$61,685.98
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,676.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.00
Initial HOA (3 months)$112.50
Prepaid interest, first (27 days)$798.80
Fees + prepaids$12,145.09
Your down payment is the seller’s equity. You take over the $335,359 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $61,685.98 is due at closing. Uses and sources reconcile at $397,045.09 each. Not a Closing Disclosure.