Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$27,803Cash toward the purchase price.
Closing costs + prepaids$11,625Not just lender fees.
Before credits & paid funds$39,428The complete starting cash picture.
Estimated remaining funds due at closing
$39,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,803.06
Your down payment$27,803.06
Closing costs + prepaids$11,624.81
Total buyer cash needed$39,427.87
Remaining funds due$39,427.87
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,685.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Prepaid interest, first (10 days)$632.82
Fees + prepaids$11,624.81
Your down payment is the seller’s equity. You take over the $337,197 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $39,427.87 is due at closing. Uses and sources reconcile at $376,624.81 each. Not a Closing Disclosure.