Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,232Cash toward the purchase price.
Closing costs + prepaids$11,633Not just lender fees.
Before credits & paid funds$46,865The complete starting cash picture.
Estimated remaining funds due at closing
$46,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,231.87
Your down payment$35,231.87
Closing costs + prepaids$11,633.03
Total buyer cash needed$46,864.90
Remaining funds due$46,864.90
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,673.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$286.25
Prepaid interest, first (22 days)$756.44
Fees + prepaids$11,633.03
Your down payment is the seller’s equity. You take over the $334,668 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $46,864.90 is due at closing. Uses and sources reconcile at $381,533.03 each. Not a Closing Disclosure.