Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$24,917Cash toward the purchase price.
Closing costs + prepaids$12,290Not just lender fees.
Before credits & paid funds$37,207The complete starting cash picture.
Estimated remaining funds due at closing
$37,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,917.42
Your down payment$24,917.42
Closing costs + prepaids$12,289.75
Total buyer cash needed$37,207.17
Remaining funds due$37,207.17
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%)$1,650.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.25
Prepaid interest, first (24 days)$1,402.08
Fees + prepaids$12,289.75
Your down payment is the seller’s equity. You take over the $330,083 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $37,207.17 is due at closing. Uses and sources reconcile at $367,289.75 each. Not a Closing Disclosure.