Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$43,696Cash toward the purchase price.
Closing costs + prepaids$12,309Not just lender fees.
Before credits & paid funds$56,004The complete starting cash picture.
Estimated remaining funds due at closing
$56,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,695.76
Your down payment$43,695.76
Closing costs + prepaids$12,308.73
Total buyer cash needed$56,004.49
Remaining funds due$56,004.49
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,676.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$572.00
Prepaid interest, first (23 days)$1,052.21
Fees + prepaids$12,308.73
Your down payment is the seller’s equity. You take over the $335,304 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $56,004.49 is due at closing. Uses and sources reconcile at $391,308.73 each. Not a Closing Disclosure.