Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$19,861Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$32,666The complete starting cash picture.
Estimated remaining funds due at closing
$32,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,861.34
Your down payment$19,861.34
Closing costs + prepaids$12,804.45
Total buyer cash needed$32,665.79
Remaining funds due$32,665.79
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%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,820.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$63.25
Initial HOA (3 months)$174.00
Prepaid interest, first (25 days)$1,688.51
Fees + prepaids$12,804.45
Your down payment is the seller’s equity. You take over the $364,139 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $32,665.79 is due at closing. Uses and sources reconcile at $396,804.45 each. Not a Closing Disclosure.