Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$31,357Cash toward the purchase price.
Closing costs + prepaids$11,835Not just lender fees.
Before credits & paid funds$43,192The complete starting cash picture.
Estimated remaining funds due at closing
$43,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,356.78
Your down payment$31,356.78
Closing costs + prepaids$11,835.16
Total buyer cash needed$43,191.94
Remaining funds due$43,191.94
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%)$1,708.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.50
Prepaid interest, first (30 days)$856.45
Fees + prepaids$11,835.16
Your down payment is the seller’s equity. You take over the $341,643 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $43,191.94 is due at closing. Uses and sources reconcile at $384,835.16 each. Not a Closing Disclosure.