Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$8,949Cash toward the purchase price.
Closing costs + prepaids$12,490Not just lender fees.
Before credits & paid funds$21,439The complete starting cash picture.
Estimated remaining funds due at closing
$21,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,949.25
Your down payment$8,949.25
Closing costs + prepaids$12,489.60
Total buyer cash needed$21,438.85
Remaining funds due$21,438.85
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,805.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$317.00
Prepaid interest, first (22 days)$1,449.35
Fees + prepaids$12,489.60
Your down payment is the seller’s equity. You take over the $361,051 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $21,438.85 is due at closing. Uses and sources reconcile at $382,489.60 each. Not a Closing Disclosure.