Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$2,985Cash toward the purchase price.
Closing costs + prepaids$13,264Not just lender fees.
Before credits & paid funds$16,249The complete starting cash picture.
Estimated remaining funds due at closing
$16,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,984.84
Your down payment$2,984.84
Closing costs + prepaids$13,264.44
Total buyer cash needed$16,249.28
Remaining funds due$16,249.28
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%)$3,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,835.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$703.75
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$1,717.63
Fees + prepaids$13,264.44
Your down payment is the seller’s equity. You take over the $367,014 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $16,249.28 is due at closing. Uses and sources reconcile at $383,263.44 each. Not a Closing Disclosure.