Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$16,175Cash toward the purchase price.
Closing costs + prepaids$13,812Not just lender fees.
Before credits & paid funds$29,986The complete starting cash picture.
Estimated remaining funds due at closing
$29,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,174.72
Your down payment$16,174.72
Closing costs + prepaids$13,811.70
Total buyer cash needed$29,986.43
Remaining funds due$29,986.43
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%)$1,719.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,311.25
Initial HOA (3 months)$327.00
Prepaid interest, first (29 days)$1,636.33
Fees + prepaids$13,811.70
Your down payment is the seller’s equity. You take over the $343,825 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $29,986.43 is due at closing. Uses and sources reconcile at $373,811.70 each. Not a Closing Disclosure.