Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,305Cash toward the purchase price.
Closing costs + prepaids$13,480Not just lender fees.
Before credits & paid funds$38,784The complete starting cash picture.
Estimated remaining funds due at closing
$38,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,304.73
Your down payment$25,304.73
Closing costs + prepaids$13,479.63
Total buyer cash needed$38,784.36
Remaining funds due$38,784.36
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,723.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$627.00
Initial HOA (3 months)$399.00
Prepaid interest, first (31 days)$1,812.15
Fees + prepaids$13,479.63
Your down payment is the seller’s equity. You take over the $344,695 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $38,784.36 is due at closing. Uses and sources reconcile at $383,479.63 each. Not a Closing Disclosure.