Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,150Cash toward the purchase price.
Closing costs + prepaids$11,760Not just lender fees.
Before credits & paid funds$58,911The complete starting cash picture.
Estimated remaining funds due at closing
$58,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,150.29
Your down payment$47,150.29
Closing costs + prepaids$11,760.26
Total buyer cash needed$58,910.54
Remaining funds due$58,910.54
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%)$1,539.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.00
Initial HOA (3 months)$294.00
Prepaid interest, first (31 days)$753.01
Fees + prepaids$11,760.26
Your down payment is the seller’s equity. You take over the $307,850 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $58,910.54 is due at closing. Uses and sources reconcile at $366,760.26 each. Not a Closing Disclosure.