Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$38,600Cash toward the purchase price.
Closing costs + prepaids$12,817Not just lender fees.
Before credits & paid funds$51,416The complete starting cash picture.
Estimated remaining funds due at closing
$51,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,599.53
Your down payment$38,599.53
Closing costs + prepaids$12,816.65
Total buyer cash needed$51,416.18
Remaining funds due$51,416.18
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%)$1,657.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,046.50
Initial HOA (3 months)$293.01
Prepaid interest, first (18 days)$902.14
Fees + prepaids$12,816.65
Your down payment is the seller’s equity. You take over the $331,400 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $51,416.18 is due at closing. Uses and sources reconcile at $382,816.65 each. Not a Closing Disclosure.