Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,352Cash toward the purchase price.
Closing costs + prepaids$13,060Not just lender fees.
Before credits & paid funds$40,412The complete starting cash picture.
Estimated remaining funds due at closing
$40,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,352.14
Your down payment$27,352.14
Closing costs + prepaids$13,059.62
Total buyer cash needed$40,411.76
Remaining funds due$40,411.76
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%)$1,662.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.25
Initial HOA (3 months)$480.00
Prepaid interest, first (31 days)$1,694.63
Fees + prepaids$13,059.62
Your down payment is the seller’s equity. You take over the $332,548 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $40,411.76 is due at closing. Uses and sources reconcile at $372,959.62 each. Not a Closing Disclosure.