Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$17,697Cash toward the purchase price.
Closing costs + prepaids$13,275Not just lender fees.
Before credits & paid funds$30,972The complete starting cash picture.
Estimated remaining funds due at closing
$30,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,697.27
Your down payment$17,697.27
Closing costs + prepaids$13,274.87
Total buyer cash needed$30,972.14
Remaining funds due$30,972.14
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%)$3,698.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,760.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.75
Initial HOA (3 months)$573.00
Prepaid interest, first (26 days)$1,730.61
Fees + prepaids$13,274.87
Your down payment is the seller’s equity. You take over the $352,103 balance, so the rest of the $369,800 price is paid at closing. A second mortgage can cover part of it. $30,972.14 is due at closing. Uses and sources reconcile at $383,074.87 each. Not a Closing Disclosure.