Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,288Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$42,015The complete starting cash picture.
Estimated remaining funds due at closing
$42,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,288.45
Your down payment$30,288.45
Closing costs + prepaids$11,726.65
Total buyer cash needed$42,015.10
Remaining funds due$42,015.10
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,648.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.00
Prepaid interest, first (31 days)$910.09
Fees + prepaids$11,726.65
Your down payment is the seller’s equity. You take over the $329,712 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $42,015.10 is due at closing. Uses and sources reconcile at $371,726.65 each. Not a Closing Disclosure.