Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$10,205Cash toward the purchase price.
Closing costs + prepaids$12,264Not just lender fees.
Before credits & paid funds$22,469The complete starting cash picture.
Estimated remaining funds due at closing
$22,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,205.18
Your down payment$10,205.18
Closing costs + prepaids$12,263.73
Total buyer cash needed$22,468.92
Remaining funds due$22,468.92
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,743.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$140.75
Prepaid interest, first (24 days)$1,571.01
Fees + prepaids$12,263.73
Your down payment is the seller’s equity. You take over the $348,795 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $22,468.92 is due at closing. Uses and sources reconcile at $371,263.73 each. Not a Closing Disclosure.