Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,903Cash toward the purchase price.
Closing costs + prepaids$13,171Not just lender fees.
Before credits & paid funds$36,074The complete starting cash picture.
Estimated remaining funds due at closing
$36,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,902.74
Your down payment$22,902.74
Closing costs + prepaids$13,171.25
Total buyer cash needed$36,073.99
Remaining funds due$36,073.99
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%)$1,710.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,030.00
Initial HOA (3 months)$162.51
Prepaid interest, first (30 days)$1,400.26
Fees + prepaids$13,171.25
Your down payment is the seller’s equity. You take over the $342,097 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $36,073.99 is due at closing. Uses and sources reconcile at $378,171.25 each. Not a Closing Disclosure.