Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,279Cash toward the purchase price.
Closing costs + prepaids$13,643Not just lender fees.
Before credits & paid funds$37,923The complete starting cash picture.
Estimated remaining funds due at closing
$37,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,279.40
Your down payment$24,279.40
Closing costs + prepaids$13,643.25
Total buyer cash needed$37,922.66
Remaining funds due$37,922.66
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%)$1,723.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,221.50
Initial HOA (3 months)$48.51
Prepaid interest, first (27 days)$1,741.64
Fees + prepaids$13,643.25
Your down payment is the seller’s equity. You take over the $344,721 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $37,922.66 is due at closing. Uses and sources reconcile at $382,643.25 each. Not a Closing Disclosure.