Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$21,335Cash toward the purchase price.
Closing costs + prepaids$13,328Not just lender fees.
Before credits & paid funds$34,663The complete starting cash picture.
Estimated remaining funds due at closing
$34,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,334.78
Your down payment$21,334.78
Closing costs + prepaids$13,328.27
Total buyer cash needed$34,663.04
Remaining funds due$34,663.04
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,768.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,202.75
Initial HOA (3 months)$107.76
Prepaid interest, first (23 days)$1,281.43
Fees + prepaids$13,328.27
Your down payment is the seller’s equity. You take over the $353,665 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $34,663.04 is due at closing. Uses and sources reconcile at $388,328.27 each. Not a Closing Disclosure.