Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$27,020Cash toward the purchase price.
Closing costs + prepaids$14,249Not just lender fees.
Before credits & paid funds$41,270The complete starting cash picture.
Estimated remaining funds due at closing
$41,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,020.18
Your down payment$27,020.18
Closing costs + prepaids$14,249.46
Total buyer cash needed$41,269.64
Remaining funds due$41,269.64
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%)$3,759.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,744.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,664.75
Initial HOA (3 months)$48.75
Prepaid interest, first (28 days)$1,814.56
Fees + prepaids$14,249.46
Your down payment is the seller’s equity. You take over the $348,880 balance, so the rest of the $375,900 price is paid at closing. A second mortgage can cover part of it. $41,269.64 is due at closing. Uses and sources reconcile at $390,149.46 each. Not a Closing Disclosure.