Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,908Cash toward the purchase price.
Closing costs + prepaids$12,425Not just lender fees.
Before credits & paid funds$59,333The complete starting cash picture.
Estimated remaining funds due at closing
$59,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,907.99
Your down payment$46,907.99
Closing costs + prepaids$12,425.03
Total buyer cash needed$59,333.03
Remaining funds due$59,333.03
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,564.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$577.00
Initial HOA (3 months)$630.00
Prepaid interest, first (30 days)$836.07
Fees + prepaids$12,425.03
Your down payment is the seller’s equity. You take over the $312,992 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $59,333.03 is due at closing. Uses and sources reconcile at $372,325.03 each. Not a Closing Disclosure.