Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,028Cash toward the purchase price.
Closing costs + prepaids$13,365Not just lender fees.
Before credits & paid funds$35,393The complete starting cash picture.
Estimated remaining funds due at closing
$35,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,028.36
Your down payment$22,028.36
Closing costs + prepaids$13,364.71
Total buyer cash needed$35,393.07
Remaining funds due$35,393.07
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%)$1,714.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.50
Initial HOA (3 months)$75.00
Prepaid interest, first (31 days)$1,794.35
Fees + prepaids$13,364.71
Your down payment is the seller’s equity. You take over the $342,972 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $35,393.07 is due at closing. Uses and sources reconcile at $378,364.71 each. Not a Closing Disclosure.