Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$40,461Cash toward the purchase price.
Closing costs + prepaids$12,875Not just lender fees.
Before credits & paid funds$53,336The complete starting cash picture.
Estimated remaining funds due at closing
$53,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,460.79
Your down payment$40,460.79
Closing costs + prepaids$12,875.00
Total buyer cash needed$53,335.78
Remaining funds due$53,335.78
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%)$3,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,637.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.25
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$1,708.05
Fees + prepaids$12,875.00
Your down payment is the seller’s equity. You take over the $327,539 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $53,335.78 is due at closing. Uses and sources reconcile at $380,875.00 each. Not a Closing Disclosure.