Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$26,857Cash toward the purchase price.
Closing costs + prepaids$13,258Not just lender fees.
Before credits & paid funds$40,115The complete starting cash picture.
Estimated remaining funds due at closing
$40,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,857.31
Your down payment$26,857.31
Closing costs + prepaids$13,257.94
Total buyer cash needed$40,115.26
Remaining funds due$40,115.26
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,710.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$876.00
Initial HOA (3 months)$165.00
Prepaid interest, first (25 days)$1,598.23
Fees + prepaids$13,257.94
Your down payment is the seller’s equity. You take over the $342,143 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $40,115.26 is due at closing. Uses and sources reconcile at $382,257.94 each. Not a Closing Disclosure.