Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$38,021Cash toward the purchase price.
Closing costs + prepaids$13,875Not just lender fees.
Before credits & paid funds$51,895The complete starting cash picture.
Estimated remaining funds due at closing
$51,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,020.63
Your down payment$38,020.63
Closing costs + prepaids$13,874.55
Total buyer cash needed$51,895.18
Remaining funds due$51,895.18
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,634.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$942.25
Initial HOA (3 months)$681.00
Prepaid interest, first (29 days)$1,748.40
Fees + prepaids$13,874.55
Your down payment is the seller’s equity. You take over the $326,979 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $51,895.18 is due at closing. Uses and sources reconcile at $378,874.55 each. Not a Closing Disclosure.