Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,918Cash toward the purchase price.
Closing costs + prepaids$12,957Not just lender fees.
Before credits & paid funds$35,876The complete starting cash picture.
Estimated remaining funds due at closing
$35,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,918.36
Your down payment$22,918.36
Closing costs + prepaids$12,957.40
Total buyer cash needed$35,875.75
Remaining funds due$35,875.75
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,760.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.25
Prepaid interest, first (30 days)$1,996.74
Fees + prepaids$12,957.40
Your down payment is the seller’s equity. You take over the $352,082 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $35,875.75 is due at closing. Uses and sources reconcile at $387,957.40 each. Not a Closing Disclosure.