Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$15,877Cash toward the purchase price.
Closing costs + prepaids$11,775Not just lender fees.
Before credits & paid funds$27,653The complete starting cash picture.
Estimated remaining funds due at closing
$27,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,877.50
Your down payment$15,877.50
Closing costs + prepaids$11,775.21
Total buyer cash needed$27,652.71
Remaining funds due$27,652.71
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%)$1,720.61
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)$231.00
Prepaid interest, first (9 days)$573.60
Fees + prepaids$11,775.21
Your down payment is the seller’s equity. You take over the $344,123 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $27,652.71 is due at closing. Uses and sources reconcile at $371,775.21 each. Not a Closing Disclosure.