Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$7,360Cash toward the purchase price.
Closing costs + prepaids$13,917Not just lender fees.
Before credits & paid funds$21,277The complete starting cash picture.
Estimated remaining funds due at closing
$21,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,359.54
Your down payment$7,359.54
Closing costs + prepaids$13,917.20
Total buyer cash needed$21,276.74
Remaining funds due$21,276.74
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,763.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$999.25
Initial HOA (3 months)$378.00
Prepaid interest, first (31 days)$1,958.75
Fees + prepaids$13,917.20
Your down payment is the seller’s equity. You take over the $352,640 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $21,276.74 is due at closing. Uses and sources reconcile at $373,917.20 each. Not a Closing Disclosure.