Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,154Cash toward the purchase price.
Closing costs + prepaids$13,431Not just lender fees.
Before credits & paid funds$19,584The complete starting cash picture.
Estimated remaining funds due at closing
$19,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,153.75
Your down payment$6,153.75
Closing costs + prepaids$13,430.69
Total buyer cash needed$19,584.43
Remaining funds due$19,584.43
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%)$1,769.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.75
Initial HOA (3 months)$258.00
Prepaid interest, first (31 days)$2,112.70
Fees + prepaids$13,430.69
Your down payment is the seller’s equity. You take over the $353,846 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $19,584.43 is due at closing. Uses and sources reconcile at $373,430.69 each. Not a Closing Disclosure.