Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,533Cash toward the purchase price.
Closing costs + prepaids$11,493Not just lender fees.
Before credits & paid funds$36,026The complete starting cash picture.
Estimated remaining funds due at closing
$36,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,533.09
Your down payment$24,533.09
Closing costs + prepaids$11,492.70
Total buyer cash needed$36,025.79
Remaining funds due$36,025.79
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%)$3,547.70
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,651.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$24.25
Initial HOA (3 months)$240.00
Prepaid interest, first (23 days)$811.57
Fees + prepaids$11,492.70
Your down payment is the seller’s equity. You take over the $330,237 balance, so the rest of the $354,770 price is paid at closing. A second mortgage can cover part of it. $36,025.79 is due at closing. Uses and sources reconcile at $366,262.70 each. Not a Closing Disclosure.