Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,871Cash toward the purchase price.
Closing costs + prepaids$13,320Not just lender fees.
Before credits & paid funds$33,191The complete starting cash picture.
Estimated remaining funds due at closing
$33,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,871.44
Your down payment$19,871.44
Closing costs + prepaids$13,319.70
Total buyer cash needed$33,191.13
Remaining funds due$33,191.13
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,750.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$924.75
Initial HOA (3 months)$96.00
Prepaid interest, first (24 days)$1,631.80
Fees + prepaids$13,319.70
Your down payment is the seller’s equity. You take over the $350,029 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $33,191.13 is due at closing. Uses and sources reconcile at $383,219.70 each. Not a Closing Disclosure.