Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$6,843Cash toward the purchase price.
Closing costs + prepaids$13,322Not just lender fees.
Before credits & paid funds$20,165The complete starting cash picture.
Estimated remaining funds due at closing
$20,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,842.74
Your down payment$6,842.74
Closing costs + prepaids$13,322.17
Total buyer cash needed$20,164.90
Remaining funds due$20,164.90
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,865.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,261.50
Initial HOA (3 months)$47.76
Prepaid interest, first (2 days)$130.62
Fees + prepaids$13,322.17
Your down payment is the seller’s equity. You take over the $373,057 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $20,164.90 is due at closing. Uses and sources reconcile at $393,222.17 each. Not a Closing Disclosure.