Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$4,615Cash toward the purchase price.
Closing costs + prepaids$12,067Not just lender fees.
Before credits & paid funds$16,682The complete starting cash picture.
Estimated remaining funds due at closing
$16,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,614.53
Your down payment$4,614.53
Closing costs + prepaids$12,067.05
Total buyer cash needed$16,681.58
Remaining funds due$16,681.58
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,826.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Prepaid interest, first (12 days)$878.13
Fees + prepaids$12,067.05
Your down payment is the seller’s equity. You take over the $365,385 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $16,681.58 is due at closing. Uses and sources reconcile at $382,067.05 each. Not a Closing Disclosure.