Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$39,622Cash toward the purchase price.
Closing costs + prepaids$11,285Not just lender fees.
Before credits & paid funds$50,907The complete starting cash picture.
Estimated remaining funds due at closing
$50,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,622.21
Your down payment$39,622.21
Closing costs + prepaids$11,284.64
Total buyer cash needed$50,906.85
Remaining funds due$50,906.85
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,596.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.75
Initial HOA (3 months)$120.00
Prepaid interest, first (10 days)$329.00
Fees + prepaids$11,284.64
Your down payment is the seller’s equity. You take over the $319,378 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $50,906.85 is due at closing. Uses and sources reconcile at $370,284.64 each. Not a Closing Disclosure.