Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,092Cash toward the purchase price.
Closing costs + prepaids$12,709Not just lender fees.
Before credits & paid funds$40,800The complete starting cash picture.
Estimated remaining funds due at closing
$40,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,091.69
Your down payment$28,091.69
Closing costs + prepaids$12,708.76
Total buyer cash needed$40,800.45
Remaining funds due$40,800.45
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,734.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$481.00
Prepaid interest, first (26 days)$1,526.72
Fees + prepaids$12,708.76
Your down payment is the seller’s equity. You take over the $346,808 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $40,800.45 is due at closing. Uses and sources reconcile at $387,608.76 each. Not a Closing Disclosure.