Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$32,573Cash toward the purchase price.
Closing costs + prepaids$12,997Not just lender fees.
Before credits & paid funds$45,570The complete starting cash picture.
Estimated remaining funds due at closing
$45,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,573.38
Your down payment$32,573.38
Closing costs + prepaids$12,996.63
Total buyer cash needed$45,570.01
Remaining funds due$45,570.01
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,736.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$358.00
Initial HOA (3 months)$18.00
Prepaid interest, first (30 days)$1,867.00
Fees + prepaids$12,996.63
Your down payment is the seller’s equity. You take over the $347,327 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $45,570.01 is due at closing. Uses and sources reconcile at $392,896.63 each. Not a Closing Disclosure.