Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,136Cash toward the purchase price.
Closing costs + prepaids$13,083Not just lender fees.
Before credits & paid funds$38,218The complete starting cash picture.
Estimated remaining funds due at closing
$38,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,135.77
Your down payment$25,135.77
Closing costs + prepaids$13,082.51
Total buyer cash needed$38,218.28
Remaining funds due$38,218.28
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%)$1,649.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$887.50
Initial HOA (3 months)$99.99
Prepaid interest, first (28 days)$1,677.70
Fees + prepaids$13,082.51
Your down payment is the seller’s equity. You take over the $329,864 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $38,218.28 is due at closing. Uses and sources reconcile at $368,082.51 each. Not a Closing Disclosure.