Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$16,205Cash toward the purchase price.
Closing costs + prepaids$12,335Not just lender fees.
Before credits & paid funds$28,541The complete starting cash picture.
Estimated remaining funds due at closing
$28,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,205.45
Your down payment$16,205.45
Closing costs + prepaids$12,335.35
Total buyer cash needed$28,540.80
Remaining funds due$28,540.80
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%)$1,763.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.50
Initial HOA (3 months)$45.00
Prepaid interest, first (18 days)$1,130.88
Fees + prepaids$12,335.35
Your down payment is the seller’s equity. You take over the $352,795 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $28,540.80 is due at closing. Uses and sources reconcile at $381,335.35 each. Not a Closing Disclosure.