Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$8,017Cash toward the purchase price.
Closing costs + prepaids$13,627Not just lender fees.
Before credits & paid funds$21,644The complete starting cash picture.
Estimated remaining funds due at closing
$21,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,017.33
Your down payment$8,017.33
Closing costs + prepaids$13,627.13
Total buyer cash needed$21,644.47
Remaining funds due$21,644.47
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,834.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$357.25
Initial HOA (3 months)$807.00
Prepaid interest, first (26 days)$1,659.97
Fees + prepaids$13,627.13
Your down payment is the seller’s equity. You take over the $366,983 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $21,644.47 is due at closing. Uses and sources reconcile at $388,627.13 each. Not a Closing Disclosure.