Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$28,062Cash toward the purchase price.
Closing costs + prepaids$11,540Not just lender fees.
Before credits & paid funds$39,602The complete starting cash picture.
Estimated remaining funds due at closing
$39,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,062.04
Your down payment$28,062.04
Closing costs + prepaids$11,539.56
Total buyer cash needed$39,601.60
Remaining funds due$39,601.60
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%)$3,589.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,654.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$592.25
Initial HOA (3 months)$99.99
Prepaid interest, first (6 days)$386.13
Fees + prepaids$11,539.56
Your down payment is the seller’s equity. You take over the $330,838 balance, so the rest of the $358,900 price is paid at closing. A second mortgage can cover part of it. $39,601.60 is due at closing. Uses and sources reconcile at $370,439.56 each. Not a Closing Disclosure.