Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,435Cash toward the purchase price.
Closing costs + prepaids$14,898Not just lender fees.
Before credits & paid funds$48,333The complete starting cash picture.
Estimated remaining funds due at closing
$48,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,435.02
Your down payment$33,435.02
Closing costs + prepaids$14,897.63
Total buyer cash needed$48,332.65
Remaining funds due$48,332.65
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%)$1,632.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,291.00
Initial HOA (3 months)$330.00
Prepaid interest, first (30 days)$1,827.31
Fees + prepaids$14,897.63
Your down payment is the seller’s equity. You take over the $326,465 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $48,332.65 is due at closing. Uses and sources reconcile at $374,797.63 each. Not a Closing Disclosure.