Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,522Cash toward the purchase price.
Closing costs + prepaids$13,604Not just lender fees.
Before credits & paid funds$50,126The complete starting cash picture.
Estimated remaining funds due at closing
$50,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,522.48
Your down payment$36,522.48
Closing costs + prepaids$13,603.71
Total buyer cash needed$50,126.18
Remaining funds due$50,126.18
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%)$3,585.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,609.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$896.25
Initial HOA (3 months)$585.00
Prepaid interest, first (30 days)$1,709.57
Fees + prepaids$13,603.71
Your down payment is the seller’s equity. You take over the $321,978 balance, so the rest of the $358,500 price is paid at closing. A second mortgage can cover part of it. $50,126.18 is due at closing. Uses and sources reconcile at $372,103.71 each. Not a Closing Disclosure.