Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$19,992Cash toward the purchase price.
Closing costs + prepaids$13,558Not just lender fees.
Before credits & paid funds$33,550The complete starting cash picture.
Estimated remaining funds due at closing
$33,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,991.96
Your down payment$19,991.96
Closing costs + prepaids$13,558.00
Total buyer cash needed$33,549.96
Remaining funds due$33,549.96
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,725.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$473.25
Initial HOA (3 months)$540.00
Prepaid interest, first (29 days)$1,951.71
Fees + prepaids$13,558.00
Your down payment is the seller’s equity. You take over the $345,008 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $33,549.96 is due at closing. Uses and sources reconcile at $378,558.00 each. Not a Closing Disclosure.