Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$7,133Cash toward the purchase price.
Closing costs + prepaids$11,445Not just lender fees.
Before credits & paid funds$18,577The complete starting cash picture.
Estimated remaining funds due at closing
$18,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,132.70
Your down payment$7,132.70
Closing costs + prepaids$11,444.69
Total buyer cash needed$18,577.39
Remaining funds due$18,577.39
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,813.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$594.50
Initial HOA (3 months)$15.00
Prepaid interest, first (2 days)$104.36
Fees + prepaids$11,444.69
Your down payment is the seller’s equity. You take over the $362,767 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $18,577.39 is due at closing. Uses and sources reconcile at $381,344.69 each. Not a Closing Disclosure.