Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$40,108Cash toward the purchase price.
Closing costs + prepaids$12,150Not just lender fees.
Before credits & paid funds$52,258The complete starting cash picture.
Estimated remaining funds due at closing
$52,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,108.12
Your down payment$40,108.12
Closing costs + prepaids$12,149.77
Total buyer cash needed$52,257.88
Remaining funds due$52,257.88
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,694.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$486.75
Initial HOA (3 months)$260.49
Prepaid interest, first (26 days)$700.07
Fees + prepaids$12,149.77
Your down payment is the seller’s equity. You take over the $338,892 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $52,257.88 is due at closing. Uses and sources reconcile at $391,149.77 each. Not a Closing Disclosure.