Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$19,409Cash toward the purchase price.
Closing costs + prepaids$11,972Not just lender fees.
Before credits & paid funds$31,381The complete starting cash picture.
Estimated remaining funds due at closing
$31,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,408.94
Your down payment$19,408.94
Closing costs + prepaids$11,972.12
Total buyer cash needed$31,381.06
Remaining funds due$31,381.06
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,802.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.00
Initial HOA (3 months)$150.00
Prepaid interest, first (9 days)$546.66
Fees + prepaids$11,972.12
Your down payment is the seller’s equity. You take over the $360,491 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $31,381.06 is due at closing. Uses and sources reconcile at $391,872.12 each. Not a Closing Disclosure.