Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$2,025Cash toward the purchase price.
Closing costs + prepaids$12,862Not just lender fees.
Before credits & paid funds$14,887The complete starting cash picture.
Estimated remaining funds due at closing
$14,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,024.85
Your down payment$2,024.85
Closing costs + prepaids$12,862.32
Total buyer cash needed$14,887.17
Remaining funds due$14,887.17
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,789.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$316.75
Prepaid interest, first (31 days)$1,939.19
Fees + prepaids$12,862.32
Your down payment is the seller’s equity. You take over the $357,875 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $14,887.17 is due at closing. Uses and sources reconcile at $372,762.32 each. Not a Closing Disclosure.