Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,182Cash toward the purchase price.
Closing costs + prepaids$12,820Not just lender fees.
Before credits & paid funds$22,002The complete starting cash picture.
Estimated remaining funds due at closing
$22,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,181.79
Your down payment$9,181.79
Closing costs + prepaids$12,820.04
Total buyer cash needed$22,001.83
Remaining funds due$22,001.83
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%)$3,575.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,741.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.50
Prepaid interest, first (31 days)$1,990.95
Fees + prepaids$12,820.04
Your down payment is the seller’s equity. You take over the $348,318 balance, so the rest of the $357,500 price is paid at closing. A second mortgage can cover part of it. $22,001.83 is due at closing. Uses and sources reconcile at $370,320.04 each. Not a Closing Disclosure.