Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$4,924Cash toward the purchase price.
Closing costs + prepaids$12,455Not just lender fees.
Before credits & paid funds$17,379The complete starting cash picture.
Estimated remaining funds due at closing
$17,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,924.04
Your down payment$4,924.04
Closing costs + prepaids$12,454.99
Total buyer cash needed$17,379.03
Remaining funds due$17,379.03
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,824.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$132.50
Initial HOA (3 months)$180.00
Prepaid interest, first (23 days)$1,400.61
Fees + prepaids$12,454.99
Your down payment is the seller’s equity. You take over the $364,976 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $17,379.03 is due at closing. Uses and sources reconcile at $382,354.99 each. Not a Closing Disclosure.