Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$406Cash toward the purchase price.
Closing costs + prepaids$12,857Not just lender fees.
Before credits & paid funds$13,262The complete starting cash picture.
Estimated remaining funds due at closing
$13,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405.74
Your down payment$405.74
Closing costs + prepaids$12,856.64
Total buyer cash needed$13,262.38
Remaining funds due$13,262.38
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%)$3,729.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$951.00
Initial HOA (3 months)$846.00
Prepaid interest, first (5 days)$248.81
Fees + prepaids$12,856.64
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $372,990 price is paid at closing. A second mortgage can cover part of it. $13,262.38 is due at closing. Uses and sources reconcile at $385,846.64 each. Not a Closing Disclosure.