Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,952Cash toward the purchase price.
Closing costs + prepaids$13,708Not just lender fees.
Before credits & paid funds$46,660The complete starting cash picture.
Estimated remaining funds due at closing
$46,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,952.26
Your down payment$32,952.26
Closing costs + prepaids$13,707.76
Total buyer cash needed$46,660.02
Remaining funds due$46,660.02
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,610.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,258.00
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$1,936.52
Fees + prepaids$13,707.76
Your down payment is the seller’s equity. You take over the $322,048 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $46,660.02 is due at closing. Uses and sources reconcile at $368,707.76 each. Not a Closing Disclosure.