Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,620Cash toward the purchase price.
Closing costs + prepaids$11,933Not just lender fees.
Before credits & paid funds$36,553The complete starting cash picture.
Estimated remaining funds due at closing
$36,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,620.44
Your down payment$24,620.44
Closing costs + prepaids$11,932.53
Total buyer cash needed$36,552.98
Remaining funds due$36,552.98
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%)$3,619.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,686.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$554.50
Prepaid interest, first (26 days)$853.15
Fees + prepaids$11,932.53
Your down payment is the seller’s equity. You take over the $337,379 balance, so the rest of the $361,999 price is paid at closing. A second mortgage can cover part of it. $36,552.98 is due at closing. Uses and sources reconcile at $373,931.53 each. Not a Closing Disclosure.