Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,459Cash toward the purchase price.
Closing costs + prepaids$12,922Not just lender fees.
Before credits & paid funds$34,381The complete starting cash picture.
Estimated remaining funds due at closing
$34,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,459.23
Your down payment$21,459.23
Closing costs + prepaids$12,921.97
Total buyer cash needed$34,381.20
Remaining funds due$34,381.20
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%)$3,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,692.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Initial HOA (3 months)$426.00
Prepaid interest, first (28 days)$1,685.42
Fees + prepaids$12,921.97
Your down payment is the seller’s equity. You take over the $338,531 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $34,381.20 is due at closing. Uses and sources reconcile at $372,911.97 each. Not a Closing Disclosure.