Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$10,156Cash toward the purchase price.
Closing costs + prepaids$11,825Not just lender fees.
Before credits & paid funds$21,981The complete starting cash picture.
Estimated remaining funds due at closing
$21,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,155.70
Your down payment$10,155.70
Closing costs + prepaids$11,825.05
Total buyer cash needed$21,980.75
Remaining funds due$21,980.75
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%)$3,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,723.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$409.50
Initial HOA (3 months)$105.00
Prepaid interest, first (31 days)$819.83
Fees + prepaids$11,825.05
Your down payment is the seller’s equity. You take over the $344,744 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $21,980.75 is due at closing. Uses and sources reconcile at $366,725.05 each. Not a Closing Disclosure.