Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$37,283Cash toward the purchase price.
Closing costs + prepaids$13,432Not just lender fees.
Before credits & paid funds$50,715The complete starting cash picture.
Estimated remaining funds due at closing
$50,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,283.07
Your down payment$37,283.07
Closing costs + prepaids$13,432.27
Total buyer cash needed$50,715.34
Remaining funds due$50,715.34
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%)$3,925.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,776.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.50
Initial HOA (3 months)$306.00
Prepaid interest, first (26 days)$1,768.69
Fees + prepaids$13,432.27
Your down payment is the seller’s equity. You take over the $355,217 balance, so the rest of the $392,500 price is paid at closing. A second mortgage can cover part of it. $50,715.34 is due at closing. Uses and sources reconcile at $405,932.27 each. Not a Closing Disclosure.