Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$58,946Cash toward the purchase price.
Closing costs + prepaids$12,948Not just lender fees.
Before credits & paid funds$71,894The complete starting cash picture.
Estimated remaining funds due at closing
$71,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,945.97
Your down payment$58,945.97
Closing costs + prepaids$12,947.62
Total buyer cash needed$71,893.59
Remaining funds due$71,893.59
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%)$3,830.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,620.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$957.50
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$1,231.85
Fees + prepaids$12,947.62
Your down payment is the seller’s equity. You take over the $324,054 balance, so the rest of the $383,000 price is paid at closing. A second mortgage can cover part of it. $71,893.59 is due at closing. Uses and sources reconcile at $395,947.62 each. Not a Closing Disclosure.