Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,492Cash toward the purchase price.
Closing costs + prepaids$12,613Not just lender fees.
Before credits & paid funds$51,105The complete starting cash picture.
Estimated remaining funds due at closing
$51,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,491.82
Your down payment$38,491.82
Closing costs + prepaids$12,612.87
Total buyer cash needed$51,104.70
Remaining funds due$51,104.70
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%)$3,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,592.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$991.00
Initial HOA (3 months)$1,134.00
Prepaid interest, first (2 days)$107.33
Fees + prepaids$12,612.87
Your down payment is the seller’s equity. You take over the $318,508 balance, so the rest of the $357,000 price is paid at closing. A second mortgage can cover part of it. $51,104.70 is due at closing. Uses and sources reconcile at $369,612.87 each. Not a Closing Disclosure.