Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$35,908Cash toward the purchase price.
Closing costs + prepaids$12,047Not just lender fees.
Before credits & paid funds$47,956The complete starting cash picture.
Estimated remaining funds due at closing
$47,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,908.47
Your down payment$35,908.47
Closing costs + prepaids$12,047.41
Total buyer cash needed$47,955.88
Remaining funds due$47,955.88
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%)$1,645.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$36.00
Prepaid interest, first (26 days)$1,497.95
Fees + prepaids$12,047.41
Your down payment is the seller’s equity. You take over the $329,092 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $47,955.88 is due at closing. Uses and sources reconcile at $377,047.41 each. Not a Closing Disclosure.