Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,293Cash toward the purchase price.
Closing costs + prepaids$12,894Not just lender fees.
Before credits & paid funds$43,187The complete starting cash picture.
Estimated remaining funds due at closing
$43,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,292.64
Your down payment$30,292.64
Closing costs + prepaids$12,894.40
Total buyer cash needed$43,187.04
Remaining funds due$43,187.04
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%)$3,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,713.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$550.50
Prepaid interest, first (31 days)$1,682.36
Fees + prepaids$12,894.40
Your down payment is the seller’s equity. You take over the $342,707 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $43,187.04 is due at closing. Uses and sources reconcile at $385,894.40 each. Not a Closing Disclosure.