Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,645Cash toward the purchase price.
Closing costs + prepaids$13,324Not just lender fees.
Before credits & paid funds$24,969The complete starting cash picture.
Estimated remaining funds due at closing
$24,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,645.35
Your down payment$11,645.35
Closing costs + prepaids$13,323.90
Total buyer cash needed$24,969.25
Remaining funds due$24,969.25
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,736.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$897.50
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$1,806.62
Fees + prepaids$13,323.90
Your down payment is the seller’s equity. You take over the $347,355 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $24,969.25 is due at closing. Uses and sources reconcile at $372,323.90 each. Not a Closing Disclosure.