Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$22,483Cash toward the purchase price.
Closing costs + prepaids$12,808Not just lender fees.
Before credits & paid funds$35,291The complete starting cash picture.
Estimated remaining funds due at closing
$35,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,482.58
Your down payment$22,482.58
Closing costs + prepaids$12,808.18
Total buyer cash needed$35,290.77
Remaining funds due$35,290.77
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,762.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$217.25
Initial HOA (3 months)$492.00
Prepaid interest, first (22 days)$1,368.35
Fees + prepaids$12,808.18
Your down payment is the seller’s equity. You take over the $352,517 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $35,290.77 is due at closing. Uses and sources reconcile at $387,808.18 each. Not a Closing Disclosure.