Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$30,793Cash toward the purchase price.
Closing costs + prepaids$13,871Not just lender fees.
Before credits & paid funds$44,664The complete starting cash picture.
Estimated remaining funds due at closing
$44,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,792.72
Your down payment$30,792.72
Closing costs + prepaids$13,870.99
Total buyer cash needed$44,663.71
Remaining funds due$44,663.71
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%)$1,671.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$857.00
Initial HOA (3 months)$879.00
Prepaid interest, first (30 days)$1,595.95
Fees + prepaids$13,870.99
Your down payment is the seller’s equity. You take over the $334,207 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $44,663.71 is due at closing. Uses and sources reconcile at $378,870.99 each. Not a Closing Disclosure.