Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,055Cash toward the purchase price.
Closing costs + prepaids$13,124Not just lender fees.
Before credits & paid funds$34,179The complete starting cash picture.
Estimated remaining funds due at closing
$34,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,055.13
Your down payment$21,055.13
Closing costs + prepaids$13,123.63
Total buyer cash needed$34,178.76
Remaining funds due$34,178.76
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%)$1,739.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$515.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (26 days)$760.90
Fees + prepaids$13,123.63
Your down payment is the seller’s equity. You take over the $347,945 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $34,178.76 is due at closing. Uses and sources reconcile at $382,123.63 each. Not a Closing Disclosure.