Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,877Cash toward the purchase price.
Closing costs + prepaids$13,208Not just lender fees.
Before credits & paid funds$29,085The complete starting cash picture.
Estimated remaining funds due at closing
$29,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,877.50
Your down payment$15,877.50
Closing costs + prepaids$13,207.60
Total buyer cash needed$29,085.09
Remaining funds due$29,085.09
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,720.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.25
Initial HOA (3 months)$231.00
Prepaid interest, first (31 days)$1,975.73
Fees + prepaids$13,207.60
Your down payment is the seller’s equity. You take over the $344,123 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $29,085.09 is due at closing. Uses and sources reconcile at $373,207.60 each. Not a Closing Disclosure.