Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$383Cash toward the purchase price.
Closing costs + prepaids$12,617Not just lender fees.
Before credits & paid funds$13,000The complete starting cash picture.
Estimated remaining funds due at closing
$13,000No 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$12,616.53
Total buyer cash needed$12,999.71
Remaining funds due$12,999.71
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 (18 days)$1,257.94
Fees + prepaids$12,616.53
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. $12,999.71 is due at closing. Uses and sources reconcile at $381,616.53 each. Not a Closing Disclosure.