Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$15,941Cash toward the purchase price.
Closing costs + prepaids$12,862Not just lender fees.
Before credits & paid funds$28,803The complete starting cash picture.
Estimated remaining funds due at closing
$28,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,940.76
Your down payment$15,940.76
Closing costs + prepaids$12,862.50
Total buyer cash needed$28,803.26
Remaining funds due$28,803.26
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%)$3,797.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$457.00
Initial HOA (3 months)$90.00
Prepaid interest, first (23 days)$1,480.95
Fees + prepaids$12,862.50
Your down payment is the seller’s equity. You take over the $363,809 balance, so the rest of the $379,750 price is paid at closing. A second mortgage can cover part of it. $28,803.26 is due at closing. Uses and sources reconcile at $392,612.50 each. Not a Closing Disclosure.