Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$31,264Cash toward the purchase price.
Closing costs + prepaids$13,752Not just lender fees.
Before credits & paid funds$45,015The complete starting cash picture.
Estimated remaining funds due at closing
$45,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,263.83
Your down payment$31,263.83
Closing costs + prepaids$13,751.56
Total buyer cash needed$45,015.39
Remaining funds due$45,015.39
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%)$3,775.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,731.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,431.75
Prepaid interest, first (27 days)$1,595.63
Fees + prepaids$13,751.56
Your down payment is the seller’s equity. You take over the $346,236 balance, so the rest of the $377,500 price is paid at closing. A second mortgage can cover part of it. $45,015.39 is due at closing. Uses and sources reconcile at $391,251.56 each. Not a Closing Disclosure.