Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$52,992Cash toward the purchase price.
Closing costs + prepaids$12,332Not just lender fees.
Before credits & paid funds$65,324The complete starting cash picture.
Estimated remaining funds due at closing
$65,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,991.75
Your down payment$52,991.75
Closing costs + prepaids$12,332.46
Total buyer cash needed$65,324.20
Remaining funds due$65,324.20
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%)$1,630.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$309.00
Initial HOA (3 months)$210.00
Prepaid interest, first (20 days)$1,175.42
Fees + prepaids$12,332.46
Your down payment is the seller’s equity. You take over the $326,008 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $65,324.20 is due at closing. Uses and sources reconcile at $391,332.46 each. Not a Closing Disclosure.