Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$31,328Cash toward the purchase price.
Closing costs + prepaids$13,625Not just lender fees.
Before credits & paid funds$44,953The complete starting cash picture.
Estimated remaining funds due at closing
$44,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,327.97
Your down payment$31,327.97
Closing costs + prepaids$13,624.79
Total buyer cash needed$44,952.76
Remaining funds due$44,952.76
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,692.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$585.50
Initial HOA (3 months)$831.00
Prepaid interest, first (24 days)$1,598.43
Fees + prepaids$13,624.79
Your down payment is the seller’s equity. You take over the $338,572 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $44,952.76 is due at closing. Uses and sources reconcile at $383,524.79 each. Not a Closing Disclosure.