Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$43,251Cash toward the purchase price.
Closing costs + prepaids$12,925Not just lender fees.
Before credits & paid funds$56,177The complete starting cash picture.
Estimated remaining funds due at closing
$56,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,251.45
Your down payment$43,251.45
Closing costs + prepaids$12,925.32
Total buyer cash needed$56,176.77
Remaining funds due$56,176.77
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,683.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$838.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$1,355.82
Fees + prepaids$12,925.32
Your down payment is the seller’s equity. You take over the $336,649 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $56,176.77 is due at closing. Uses and sources reconcile at $392,825.32 each. Not a Closing Disclosure.