Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,158Cash toward the purchase price.
Closing costs + prepaids$12,980Not just lender fees.
Before credits & paid funds$28,137The complete starting cash picture.
Estimated remaining funds due at closing
$28,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,157.51
Your down payment$15,157.51
Closing costs + prepaids$12,979.81
Total buyer cash needed$28,137.33
Remaining funds due$28,137.33
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%)$1,769.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$575.25
Initial HOA (3 months)$89.01
Prepaid interest, first (26 days)$1,638.34
Fees + prepaids$12,979.81
Your down payment is the seller’s equity. You take over the $353,842 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $28,137.33 is due at closing. Uses and sources reconcile at $381,979.81 each. Not a Closing Disclosure.