Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$52,535Cash toward the purchase price.
Closing costs + prepaids$15,027Not just lender fees.
Before credits & paid funds$67,562The complete starting cash picture.
Estimated remaining funds due at closing
$67,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,535.02
Your down payment$52,535.02
Closing costs + prepaids$15,027.47
Total buyer cash needed$67,562.49
Remaining funds due$67,562.49
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,632.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,290.75
Initial HOA (3 months)$330.00
Prepaid interest, first (29 days)$1,766.40
Fees + prepaids$15,027.47
Your down payment is the seller’s equity. You take over the $326,465 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $67,562.49 is due at closing. Uses and sources reconcile at $394,027.47 each. Not a Closing Disclosure.