Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$2,827Cash toward the purchase price.
Closing costs + prepaids$11,701Not just lender fees.
Before credits & paid funds$14,528The complete starting cash picture.
Estimated remaining funds due at closing
$14,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,827.16
Your down payment$2,827.16
Closing costs + prepaids$11,700.82
Total buyer cash needed$14,527.99
Remaining funds due$14,527.99
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%)$1,810.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$280.25
Prepaid interest, first (23 days)$741.71
Fees + prepaids$11,700.82
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $14,527.99 is due at closing. Uses and sources reconcile at $376,700.82 each. Not a Closing Disclosure.