Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,861Cash toward the purchase price.
Closing costs + prepaids$14,508Not just lender fees.
Before credits & paid funds$36,370The complete starting cash picture.
Estimated remaining funds due at closing
$36,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,861.41
Your down payment$21,861.41
Closing costs + prepaids$14,508.21
Total buyer cash needed$36,369.62
Remaining funds due$36,369.62
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%)$3,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,790.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,600.75
Prepaid interest, first (31 days)$2,098.78
Fees + prepaids$14,508.21
Your down payment is the seller’s equity. You take over the $358,138 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $36,369.62 is due at closing. Uses and sources reconcile at $394,507.21 each. Not a Closing Disclosure.