Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,323Cash toward the purchase price.
Closing costs + prepaids$11,866Not just lender fees.
Before credits & paid funds$30,188The complete starting cash picture.
Estimated remaining funds due at closing
$30,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,322.58
Your down payment$18,322.58
Closing costs + prepaids$11,865.68
Total buyer cash needed$30,188.26
Remaining funds due$30,188.26
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%)$1,733.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$281.25
Prepaid interest, first (30 days)$983.04
Fees + prepaids$11,865.68
Your down payment is the seller’s equity. You take over the $346,677 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $30,188.26 is due at closing. Uses and sources reconcile at $376,865.68 each. Not a Closing Disclosure.