Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,955Cash toward the purchase price.
Closing costs + prepaids$12,650Not just lender fees.
Before credits & paid funds$48,605The complete starting cash picture.
Estimated remaining funds due at closing
$48,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,955.21
Your down payment$35,955.21
Closing costs + prepaids$12,649.73
Total buyer cash needed$48,604.94
Remaining funds due$48,604.94
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%)$3,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,720.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$382.25
Prepaid interest, first (24 days)$1,529.26
Fees + prepaids$12,649.73
Your down payment is the seller’s equity. You take over the $344,045 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $48,604.94 is due at closing. Uses and sources reconcile at $392,649.73 each. Not a Closing Disclosure.