Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,106Cash toward the purchase price.
Closing costs + prepaids$13,512Not just lender fees.
Before credits & paid funds$31,618The complete starting cash picture.
Estimated remaining funds due at closing
$31,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,105.66
Your down payment$18,105.66
Closing costs + prepaids$13,512.16
Total buyer cash needed$31,617.82
Remaining funds due$31,617.82
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,834.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.50
Initial HOA (3 months)$287.01
Prepaid interest, first (30 days)$1,972.18
Fees + prepaids$13,512.16
Your down payment is the seller’s equity. You take over the $366,894 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $31,617.82 is due at closing. Uses and sources reconcile at $398,512.16 each. Not a Closing Disclosure.