Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$12,383Cash toward the purchase price.
Closing costs + prepaids$12,882Not just lender fees.
Before credits & paid funds$25,264The complete starting cash picture.
Estimated remaining funds due at closing
$25,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,382.80
Your down payment$12,382.80
Closing costs + prepaids$12,881.56
Total buyer cash needed$25,264.36
Remaining funds due$25,264.36
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$221.75
Prepaid interest, first (31 days)$1,968.72
Fees + prepaids$12,881.56
Your down payment is the seller’s equity. You take over the $356,617 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $25,264.36 is due at closing. Uses and sources reconcile at $381,881.56 each. Not a Closing Disclosure.