Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$35,026Cash toward the purchase price.
Closing costs + prepaids$13,233Not just lender fees.
Before credits & paid funds$48,258The complete starting cash picture.
Estimated remaining funds due at closing
$48,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,025.58
Your down payment$35,025.58
Closing costs + prepaids$13,232.67
Total buyer cash needed$48,258.24
Remaining funds due$48,258.24
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%)$1,649.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.50
Prepaid interest, first (28 days)$1,802.29
Fees + prepaids$13,232.67
Your down payment is the seller’s equity. You take over the $329,974 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $48,258.24 is due at closing. Uses and sources reconcile at $378,232.67 each. Not a Closing Disclosure.