Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$24,497Cash toward the purchase price.
Closing costs + prepaids$13,745Not just lender fees.
Before credits & paid funds$38,241The complete starting cash picture.
Estimated remaining funds due at closing
$38,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,496.68
Your down payment$24,496.68
Closing costs + prepaids$13,744.70
Total buyer cash needed$38,241.39
Remaining funds due$38,241.39
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%)$3,735.55
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,745.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$934.00
Initial HOA (3 months)$90.00
Prepaid interest, first (31 days)$2,021.86
Fees + prepaids$13,744.70
Your down payment is the seller’s equity. You take over the $349,058 balance, so the rest of the $373,555 price is paid at closing. A second mortgage can cover part of it. $38,241.39 is due at closing. Uses and sources reconcile at $387,299.70 each. Not a Closing Disclosure.