Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$365Cash toward the purchase price.
Closing costs + prepaids$14,379Not just lender fees.
Before credits & paid funds$14,744The complete starting cash picture.
Estimated remaining funds due at closing
$14,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365.14
Your down payment$365.14
Closing costs + prepaids$14,379.17
Total buyer cash needed$14,744.31
Remaining funds due$14,744.31
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%)$3,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,688.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,572.00
Initial HOA (3 months)$780.00
Prepaid interest, first (29 days)$1,740.99
Fees + prepaids$14,379.17
Your down payment is the seller’s equity. You take over the $337,635 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $14,744.31 is due at closing. Uses and sources reconcile at $352,379.17 each. Not a Closing Disclosure.