Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$16,094Cash toward the purchase price.
Closing costs + prepaids$13,580Not just lender fees.
Before credits & paid funds$29,674The complete starting cash picture.
Estimated remaining funds due at closing
$29,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,094.29
Your down payment$16,094.29
Closing costs + prepaids$13,579.59
Total buyer cash needed$29,673.88
Remaining funds due$29,673.88
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,814.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$947.50
Prepaid interest, first (28 days)$1,809.56
Fees + prepaids$13,579.59
Your down payment is the seller’s equity. You take over the $362,906 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $29,673.88 is due at closing. Uses and sources reconcile at $392,579.59 each. Not a Closing Disclosure.