Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$6,077Cash toward the purchase price.
Closing costs + prepaids$13,448Not just lender fees.
Before credits & paid funds$19,525The complete starting cash picture.
Estimated remaining funds due at closing
$19,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,076.76
Your down payment$6,076.76
Closing costs + prepaids$13,447.78
Total buyer cash needed$19,524.54
Remaining funds due$19,524.54
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%)$3,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,754.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$778.25
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$1,871.91
Fees + prepaids$13,447.78
Your down payment is the seller’s equity. You take over the $350,923 balance, so the rest of the $357,000 price is paid at closing. A second mortgage can cover part of it. $19,524.54 is due at closing. Uses and sources reconcile at $370,447.78 each. Not a Closing Disclosure.