Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$32,277Cash toward the purchase price.
Closing costs + prepaids$12,893Not just lender fees.
Before credits & paid funds$45,170The complete starting cash picture.
Estimated remaining funds due at closing
$45,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,277.22
Your down payment$32,277.22
Closing costs + prepaids$12,892.82
Total buyer cash needed$45,170.04
Remaining funds due$45,170.04
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,663.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.75
Initial HOA (3 months)$120.00
Prepaid interest, first (29 days)$1,739.46
Fees + prepaids$12,892.82
Your down payment is the seller’s equity. You take over the $332,723 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $45,170.04 is due at closing. Uses and sources reconcile at $377,892.82 each. Not a Closing Disclosure.