Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$25,551Cash toward the purchase price.
Closing costs + prepaids$12,542Not just lender fees.
Before credits & paid funds$38,093The complete starting cash picture.
Estimated remaining funds due at closing
$38,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,551.13
Your down payment$25,551.13
Closing costs + prepaids$12,541.61
Total buyer cash needed$38,092.74
Remaining funds due$38,092.74
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,671.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$432.00
Initial HOA (3 months)$1,290.00
Prepaid interest, first (12 days)$330.87
Fees + prepaids$12,541.61
Your down payment is the seller’s equity. You take over the $334,349 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $38,092.74 is due at closing. Uses and sources reconcile at $372,441.61 each. Not a Closing Disclosure.