Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,333Cash toward the purchase price.
Closing costs + prepaids$13,190Not just lender fees.
Before credits & paid funds$44,523The complete starting cash picture.
Estimated remaining funds due at closing
$44,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,333.03
Your down payment$31,333.03
Closing costs + prepaids$13,190.00
Total buyer cash needed$44,523.03
Remaining funds due$44,523.03
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%)$1,668.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,287.00
Prepaid interest, first (23 days)$1,366.66
Fees + prepaids$13,190.00
Your down payment is the seller’s equity. You take over the $333,667 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $44,523.03 is due at closing. Uses and sources reconcile at $378,190.00 each. Not a Closing Disclosure.