Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$12,361Cash toward the purchase price.
Closing costs + prepaids$12,530Not just lender fees.
Before credits & paid funds$24,891The complete starting cash picture.
Estimated remaining funds due at closing
$24,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,360.84
Your down payment$12,360.84
Closing costs + prepaids$12,529.88
Total buyer cash needed$24,890.73
Remaining funds due$24,890.73
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.00
Initial HOA (3 months)$276.00
Prepaid interest, first (26 days)$1,079.69
Fees + prepaids$12,529.88
Your down payment is the seller’s equity. You take over the $356,639 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $24,890.73 is due at closing. Uses and sources reconcile at $381,529.88 each. Not a Closing Disclosure.