Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,955Cash toward the purchase price.
Closing costs + prepaids$13,387Not just lender fees.
Before credits & paid funds$17,342The complete starting cash picture.
Estimated remaining funds due at closing
$17,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,954.73
Your down payment$3,954.73
Closing costs + prepaids$13,387.24
Total buyer cash needed$17,341.97
Remaining funds due$17,341.97
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,854.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$460.25
Initial HOA (3 months)$105.00
Prepaid interest, first (26 days)$2,000.26
Fees + prepaids$13,387.24
Your down payment is the seller’s equity. You take over the $370,945 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $17,341.97 is due at closing. Uses and sources reconcile at $388,287.24 each. Not a Closing Disclosure.