Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$383Cash toward the purchase price.
Closing costs + prepaids$12,686Not just lender fees.
Before credits & paid funds$13,070The complete starting cash picture.
Estimated remaining funds due at closing
$13,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383.18
Your down payment$383.18
Closing costs + prepaids$12,686.41
Total buyer cash needed$13,069.59
Remaining funds due$13,069.59
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%)$1,843.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$295.50
Initial HOA (3 months)$312.00
Prepaid interest, first (19 days)$1,327.83
Fees + prepaids$12,686.41
Your down payment is the seller’s equity. You take over the $368,617 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $13,069.59 is due at closing. Uses and sources reconcile at $381,686.41 each. Not a Closing Disclosure.