Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,340Cash toward the purchase price.
Closing costs + prepaids$12,977Not just lender fees.
Before credits & paid funds$37,316The complete starting cash picture.
Estimated remaining funds due at closing
$37,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,339.76
Your down payment$24,339.76
Closing costs + prepaids$12,976.74
Total buyer cash needed$37,316.50
Remaining funds due$37,316.50
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%)$3,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,778.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.75
Initial HOA (3 months)$37.50
Prepaid interest, first (28 days)$1,896.20
Fees + prepaids$12,976.74
Your down payment is the seller’s equity. You take over the $355,659 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $37,316.50 is due at closing. Uses and sources reconcile at $392,975.74 each. Not a Closing Disclosure.