Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,525Cash toward the purchase price.
Closing costs + prepaids$12,040Not just lender fees.
Before credits & paid funds$29,565The complete starting cash picture.
Estimated remaining funds due at closing
$29,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,525.05
Your down payment$17,525.05
Closing costs + prepaids$12,040.36
Total buyer cash needed$29,565.41
Remaining funds due$29,565.41
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,762.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$718.00
Prepaid interest, first (24 days)$641.99
Fees + prepaids$12,040.36
Your down payment is the seller’s equity. You take over the $352,475 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $29,565.41 is due at closing. Uses and sources reconcile at $382,040.36 each. Not a Closing Disclosure.