Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,212Cash toward the purchase price.
Closing costs + prepaids$11,873Not just lender fees.
Before credits & paid funds$37,085The complete starting cash picture.
Estimated remaining funds due at closing
$37,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,211.99
Your down payment$25,211.99
Closing costs + prepaids$11,872.78
Total buyer cash needed$37,084.77
Remaining funds due$37,084.77
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,648.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$42.00
Prepaid interest, first (24 days)$1,413.84
Fees + prepaids$11,872.78
Your down payment is the seller’s equity. You take over the $329,788 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $37,084.77 is due at closing. Uses and sources reconcile at $366,872.78 each. Not a Closing Disclosure.