Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$28,342Cash toward the purchase price.
Closing costs + prepaids$14,725Not just lender fees.
Before credits & paid funds$43,067The complete starting cash picture.
Estimated remaining funds due at closing
$43,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,341.63
Your down payment$28,341.63
Closing costs + prepaids$14,725.47
Total buyer cash needed$43,067.10
Remaining funds due$43,067.10
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,683.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,598.25
Initial HOA (3 months)$1,506.00
Prepaid interest, first (29 days)$1,069.93
Fees + prepaids$14,725.47
Your down payment is the seller’s equity. You take over the $336,658 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $43,067.10 is due at closing. Uses and sources reconcile at $379,725.47 each. Not a Closing Disclosure.