Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,138Cash toward the purchase price.
Closing costs + prepaids$11,778Not just lender fees.
Before credits & paid funds$38,915The complete starting cash picture.
Estimated remaining funds due at closing
$38,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,137.63
Your down payment$27,137.63
Closing costs + prepaids$11,777.80
Total buyer cash needed$38,915.43
Remaining funds due$38,915.43
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%)$1,674.31
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 (25 days)$711.01
Fees + prepaids$11,777.80
Your down payment is the seller’s equity. You take over the $334,861 balance, so the rest of the $361,999 price is paid at closing. A second mortgage can cover part of it. $38,915.43 is due at closing. Uses and sources reconcile at $373,776.80 each. Not a Closing Disclosure.