Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,936Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$34,282The complete starting cash picture.
Estimated remaining funds due at closing
$34,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,935.85
Your down payment$21,935.85
Closing costs + prepaids$12,346.42
Total buyer cash needed$34,282.27
Remaining funds due$34,282.27
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%)$1,690.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.75
Prepaid interest, first (30 days)$1,539.35
Fees + prepaids$12,346.42
Your down payment is the seller’s equity. You take over the $338,064 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $34,282.27 is due at closing. Uses and sources reconcile at $372,346.42 each. Not a Closing Disclosure.