Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,144Cash toward the purchase price.
Closing costs + prepaids$12,967Not just lender fees.
Before credits & paid funds$36,111The complete starting cash picture.
Estimated remaining funds due at closing
$36,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,144.00
Your down payment$23,144.00
Closing costs + prepaids$12,966.96
Total buyer cash needed$36,110.96
Remaining funds due$36,110.96
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%)$3,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,708.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.25
Initial HOA (3 months)$42.99
Prepaid interest, first (24 days)$1,435.94
Fees + prepaids$12,966.96
Your down payment is the seller’s equity. You take over the $341,756 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $36,110.96 is due at closing. Uses and sources reconcile at $377,866.96 each. Not a Closing Disclosure.