Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$37,411Cash toward the purchase price.
Closing costs + prepaids$11,695Not just lender fees.
Before credits & paid funds$49,106The complete starting cash picture.
Estimated remaining funds due at closing
$49,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,410.79
Your down payment$37,410.79
Closing costs + prepaids$11,694.89
Total buyer cash needed$49,105.68
Remaining funds due$49,105.68
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%)$1,662.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.50
Initial HOA (3 months)$225.00
Prepaid interest, first (15 days)$426.44
Fees + prepaids$11,694.89
Your down payment is the seller’s equity. You take over the $332,589 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $49,105.68 is due at closing. Uses and sources reconcile at $381,694.89 each. Not a Closing Disclosure.