Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$7,306Cash toward the purchase price.
Closing costs + prepaids$14,132Not just lender fees.
Before credits & paid funds$21,437The complete starting cash picture.
Estimated remaining funds due at closing
$21,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,305.70
Your down payment$7,305.70
Closing costs + prepaids$14,131.57
Total buyer cash needed$21,437.27
Remaining funds due$21,437.27
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%)$1,763.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$802.75
Initial HOA (3 months)$1,032.00
Prepaid interest, first (28 days)$1,715.35
Fees + prepaids$14,131.57
Your down payment is the seller’s equity. You take over the $352,694 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $21,437.27 is due at closing. Uses and sources reconcile at $374,131.57 each. Not a Closing Disclosure.