Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$21,562Cash toward the purchase price.
Closing costs + prepaids$12,054Not just lender fees.
Before credits & paid funds$33,617The complete starting cash picture.
Estimated remaining funds due at closing
$33,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,562.20
Your down payment$21,562.20
Closing costs + prepaids$12,054.47
Total buyer cash needed$33,616.67
Remaining funds due$33,616.67
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%)$1,817.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.00
Initial HOA (3 months)$261.00
Prepaid interest, first (9 days)$446.28
Fees + prepaids$12,054.47
Your down payment is the seller’s equity. You take over the $363,438 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $33,616.67 is due at closing. Uses and sources reconcile at $397,054.47 each. Not a Closing Disclosure.