Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,601Cash toward the purchase price.
Closing costs + prepaids$13,645Not just lender fees.
Before credits & paid funds$46,246The complete starting cash picture.
Estimated remaining funds due at closing
$46,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,600.69
Your down payment$32,600.69
Closing costs + prepaids$13,644.88
Total buyer cash needed$46,245.57
Remaining funds due$46,245.57
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,686.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,645.50
Initial HOA (3 months)$249.99
Prepaid interest, first (31 days)$1,145.89
Fees + prepaids$13,644.88
Your down payment is the seller’s equity. You take over the $337,299 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $46,245.57 is due at closing. Uses and sources reconcile at $383,544.88 each. Not a Closing Disclosure.