Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,012Cash toward the purchase price.
Closing costs + prepaids$12,045Not just lender fees.
Before credits & paid funds$41,057The complete starting cash picture.
Estimated remaining funds due at closing
$41,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,011.70
Your down payment$29,011.70
Closing costs + prepaids$12,044.98
Total buyer cash needed$41,056.68
Remaining funds due$41,056.68
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%)$1,654.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$236.75
Prepaid interest, first (31 days)$1,335.29
Fees + prepaids$12,044.98
Your down payment is the seller’s equity. You take over the $330,988 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $41,056.68 is due at closing. Uses and sources reconcile at $372,044.98 each. Not a Closing Disclosure.