Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$26,477Cash toward the purchase price.
Closing costs + prepaids$13,061Not just lender fees.
Before credits & paid funds$39,538The complete starting cash picture.
Estimated remaining funds due at closing
$39,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,477.04
Your down payment$26,477.04
Closing costs + prepaids$13,060.96
Total buyer cash needed$39,537.99
Remaining funds due$39,537.99
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,712.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$176.25
Initial HOA (3 months)$417.00
Prepaid interest, first (27 days)$1,847.09
Fees + prepaids$13,060.96
Your down payment is the seller’s equity. You take over the $342,523 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $39,537.99 is due at closing. Uses and sources reconcile at $382,060.96 each. Not a Closing Disclosure.