Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$17,774Cash toward the purchase price.
Closing costs + prepaids$14,639Not just lender fees.
Before credits & paid funds$32,413The complete starting cash picture.
Estimated remaining funds due at closing
$32,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,774.10
Your down payment$17,774.10
Closing costs + prepaids$14,638.69
Total buyer cash needed$32,412.79
Remaining funds due$32,412.79
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%)$3,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,761.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$925.00
Initial HOA (3 months)$1,308.00
Prepaid interest, first (28 days)$1,726.58
Fees + prepaids$14,638.69
Your down payment is the seller’s equity. You take over the $352,225 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $32,412.79 is due at closing. Uses and sources reconcile at $384,637.69 each. Not a Closing Disclosure.