Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$37,896Cash toward the purchase price.
Closing costs + prepaids$12,765Not just lender fees.
Before credits & paid funds$50,661The complete starting cash picture.
Estimated remaining funds due at closing
$50,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,895.63
Your down payment$37,895.63
Closing costs + prepaids$12,765.36
Total buyer cash needed$50,660.98
Remaining funds due$50,660.98
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,455.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$394.75
Initial HOA (3 months)$1,785.00
Prepaid interest, first (12 days)$622.09
Fees + prepaids$12,765.36
Your down payment is the seller’s equity. You take over the $291,104 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $50,660.98 is due at closing. Uses and sources reconcile at $341,765.36 each. Not a Closing Disclosure.