Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,191Cash toward the purchase price.
Closing costs + prepaids$12,592Not just lender fees.
Before credits & paid funds$36,783The complete starting cash picture.
Estimated remaining funds due at closing
$36,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,191.26
Your down payment$24,191.26
Closing costs + prepaids$12,591.55
Total buyer cash needed$36,782.80
Remaining funds due$36,782.80
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%)$3,629.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,693.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$539.50
Initial HOA (3 months)$26.01
Prepaid interest, first (23 days)$1,485.49
Fees + prepaids$12,591.55
Your down payment is the seller’s equity. You take over the $338,709 balance, so the rest of the $362,900 price is paid at closing. A second mortgage can cover part of it. $36,782.80 is due at closing. Uses and sources reconcile at $375,491.55 each. Not a Closing Disclosure.