Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$11,001Cash toward the purchase price.
Closing costs + prepaids$12,513Not just lender fees.
Before credits & paid funds$23,515The complete starting cash picture.
Estimated remaining funds due at closing
$23,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,001.44
Your down payment$11,001.44
Closing costs + prepaids$12,513.33
Total buyer cash needed$23,514.78
Remaining funds due$23,514.78
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,744.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$958.25
Initial HOA (3 months)$56.25
Prepaid interest, first (27 days)$935.84
Fees + prepaids$12,513.33
Your down payment is the seller’s equity. You take over the $348,999 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $23,514.78 is due at closing. Uses and sources reconcile at $372,513.33 each. Not a Closing Disclosure.