Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,071Cash toward the purchase price.
Closing costs + prepaids$13,120Not just lender fees.
Before credits & paid funds$65,192The complete starting cash picture.
Estimated remaining funds due at closing
$65,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,071.31
Your down payment$52,071.31
Closing costs + prepaids$13,120.33
Total buyer cash needed$65,191.63
Remaining funds due$65,191.63
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,664.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$741.00
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$1,498.19
Fees + prepaids$13,120.33
Your down payment is the seller’s equity. You take over the $332,829 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $65,191.63 is due at closing. Uses and sources reconcile at $398,020.33 each. Not a Closing Disclosure.