Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$26,720Cash toward the purchase price.
Closing costs + prepaids$12,314Not just lender fees.
Before credits & paid funds$39,034The complete starting cash picture.
Estimated remaining funds due at closing
$39,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,720.11
Your down payment$26,720.11
Closing costs + prepaids$12,313.78
Total buyer cash needed$39,033.90
Remaining funds due$39,033.90
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,761.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$473.75
Initial HOA (3 months)$105.00
Prepaid interest, first (15 days)$965.63
Fees + prepaids$12,313.78
Your down payment is the seller’s equity. You take over the $352,280 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $39,033.90 is due at closing. Uses and sources reconcile at $391,313.78 each. Not a Closing Disclosure.