Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$14,118Cash toward the purchase price.
Closing costs + prepaids$11,968Not just lender fees.
Before credits & paid funds$26,086The complete starting cash picture.
Estimated remaining funds due at closing
$26,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,117.56
Your down payment$14,117.56
Closing costs + prepaids$11,968.00
Total buyer cash needed$26,085.56
Remaining funds due$26,085.56
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%)$3,555.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,706.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.50
Initial HOA (3 months)$77.01
Prepaid interest, first (28 days)$1,026.58
Fees + prepaids$11,968.00
Your down payment is the seller’s equity. You take over the $341,382 balance, so the rest of the $355,500 price is paid at closing. A second mortgage can cover part of it. $26,085.56 is due at closing. Uses and sources reconcile at $367,468.00 each. Not a Closing Disclosure.