Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,009Cash toward the purchase price.
Closing costs + prepaids$10,978Not just lender fees.
Before credits & paid funds$22,987The complete starting cash picture.
Estimated remaining funds due at closing
$22,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,009.13
Your down payment$12,009.13
Closing costs + prepaids$10,978.28
Total buyer cash needed$22,987.41
Remaining funds due$22,987.41
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,784.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$221.75
Prepaid interest, first (1 days)$63.57
Fees + prepaids$10,978.28
Your down payment is the seller’s equity. You take over the $356,991 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $22,987.41 is due at closing. Uses and sources reconcile at $379,978.28 each. Not a Closing Disclosure.