Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$3,772Cash toward the purchase price.
Closing costs + prepaids$12,013Not just lender fees.
Before credits & paid funds$15,784The complete starting cash picture.
Estimated remaining funds due at closing
$15,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,771.96
Your down payment$3,771.96
Closing costs + prepaids$12,012.51
Total buyer cash needed$15,784.48
Remaining funds due$15,784.48
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,756.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.75
Initial HOA (3 months)$252.00
Prepaid interest, first (27 days)$797.62
Fees + prepaids$12,012.51
Your down payment is the seller’s equity. You take over the $351,228 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $15,784.48 is due at closing. Uses and sources reconcile at $367,012.51 each. Not a Closing Disclosure.