Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,313Cash toward the purchase price.
Closing costs + prepaids$12,110Not just lender fees.
Before credits & paid funds$37,423The complete starting cash picture.
Estimated remaining funds due at closing
$37,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,312.81
Your down payment$25,312.81
Closing costs + prepaids$12,110.18
Total buyer cash needed$37,422.98
Remaining funds due$37,422.98
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%)$3,560.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,653.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,343.25
Initial HOA (3 months)$213.00
Prepaid interest, first (2 days)$122.49
Fees + prepaids$12,110.18
Your down payment is the seller’s equity. You take over the $330,687 balance, so the rest of the $356,000 price is paid at closing. A second mortgage can cover part of it. $37,422.98 is due at closing. Uses and sources reconcile at $368,110.18 each. Not a Closing Disclosure.