Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$683Cash toward the purchase price.
Closing costs + prepaids$14,813Not just lender fees.
Before credits & paid funds$15,496The complete starting cash picture.
Estimated remaining funds due at closing
$15,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$682.87
Your down payment$682.87
Closing costs + prepaids$14,812.77
Total buyer cash needed$15,495.64
Remaining funds due$15,495.64
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,921.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,708.00
Initial HOA (3 months)$148.74
Prepaid interest, first (28 days)$1,966.44
Fees + prepaids$14,812.77
Your down payment is the seller’s equity. You take over the $384,317 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $15,495.64 is due at closing. Uses and sources reconcile at $399,812.77 each. Not a Closing Disclosure.