Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,367Cash toward the purchase price.
Closing costs + prepaids$12,935Not just lender fees.
Before credits & paid funds$32,301The complete starting cash picture.
Estimated remaining funds due at closing
$32,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,366.92
Your down payment$19,366.92
Closing costs + prepaids$12,934.52
Total buyer cash needed$32,301.45
Remaining funds due$32,301.45
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%)$3,655.55
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,730.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$457.50
Initial HOA (3 months)$5.49
Prepaid interest, first (31 days)$1,867.04
Fees + prepaids$12,934.52
Your down payment is the seller’s equity. You take over the $346,188 balance, so the rest of the $365,555 price is paid at closing. A second mortgage can cover part of it. $32,301.45 is due at closing. Uses and sources reconcile at $378,489.52 each. Not a Closing Disclosure.