Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,897Cash toward the purchase price.
Closing costs + prepaids$12,974Not just lender fees.
Before credits & paid funds$47,872The complete starting cash picture.
Estimated remaining funds due at closing
$47,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,897.40
Your down payment$34,897.40
Closing costs + prepaids$12,974.18
Total buyer cash needed$47,871.58
Remaining funds due$47,871.58
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,675.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.25
Initial HOA (3 months)$240.00
Prepaid interest, first (31 days)$1,804.41
Fees + prepaids$12,974.18
Your down payment is the seller’s equity. You take over the $335,103 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $47,871.58 is due at closing. Uses and sources reconcile at $382,974.18 each. Not a Closing Disclosure.