Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,910Cash toward the purchase price.
Closing costs + prepaids$13,542Not just lender fees.
Before credits & paid funds$26,452The complete starting cash picture.
Estimated remaining funds due at closing
$26,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,909.81
Your down payment$12,909.81
Closing costs + prepaids$13,542.23
Total buyer cash needed$26,452.04
Remaining funds due$26,452.04
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%)$1,809.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.25
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$1,778.02
Fees + prepaids$13,542.23
Your down payment is the seller’s equity. You take over the $361,990 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $26,452.04 is due at closing. Uses and sources reconcile at $388,442.23 each. Not a Closing Disclosure.