Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,909Cash toward the purchase price.
Closing costs + prepaids$13,494Not just lender fees.
Before credits & paid funds$27,403The complete starting cash picture.
Estimated remaining funds due at closing
$27,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,909.38
Your down payment$13,909.38
Closing costs + prepaids$13,493.66
Total buyer cash needed$27,403.04
Remaining funds due$27,403.04
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,780.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$925.00
Prepaid interest, first (30 days)$1,870.21
Fees + prepaids$13,493.66
Your down payment is the seller’s equity. You take over the $356,091 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $27,403.04 is due at closing. Uses and sources reconcile at $383,493.66 each. Not a Closing Disclosure.