Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$9,195Cash toward the purchase price.
Closing costs + prepaids$11,975Not just lender fees.
Before credits & paid funds$21,170The complete starting cash picture.
Estimated remaining funds due at closing
$21,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,195.12
Your down payment$9,195.12
Closing costs + prepaids$11,974.53
Total buyer cash needed$21,169.64
Remaining funds due$21,169.64
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%)$3,771.25
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,839.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.75
Prepaid interest, first (24 days)$737.88
Fees + prepaids$11,974.53
Your down payment is the seller’s equity. You take over the $367,930 balance, so the rest of the $377,125 price is paid at closing. A second mortgage can cover part of it. $21,169.64 is due at closing. Uses and sources reconcile at $389,099.53 each. Not a Closing Disclosure.