Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,378Cash toward the purchase price.
Closing costs + prepaids$11,953Not just lender fees.
Before credits & paid funds$35,331The complete starting cash picture.
Estimated remaining funds due at closing
$35,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,377.75
Your down payment$23,377.75
Closing costs + prepaids$11,953.00
Total buyer cash needed$35,330.75
Remaining funds due$35,330.75
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,708.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$253.75
Prepaid interest, first (30 days)$1,123.14
Fees + prepaids$11,953.00
Your down payment is the seller’s equity. You take over the $341,622 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $35,330.75 is due at closing. Uses and sources reconcile at $376,953.00 each. Not a Closing Disclosure.