Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$24,147Cash toward the purchase price.
Closing costs + prepaids$12,221Not just lender fees.
Before credits & paid funds$36,368The complete starting cash picture.
Estimated remaining funds due at closing
$36,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,146.59
Your down payment$24,146.59
Closing costs + prepaids$12,221.37
Total buyer cash needed$36,367.96
Remaining funds due$36,367.96
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%)$3,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,809.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.00
Initial HOA (3 months)$171.00
Prepaid interest, first (2 days)$126.10
Fees + prepaids$12,221.37
Your down payment is the seller’s equity. You take over the $361,853 balance, so the rest of the $386,000 price is paid at closing. A second mortgage can cover part of it. $36,367.96 is due at closing. Uses and sources reconcile at $398,221.37 each. Not a Closing Disclosure.