Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$44,292Cash toward the purchase price.
Closing costs + prepaids$12,173Not just lender fees.
Before credits & paid funds$56,465The complete starting cash picture.
Estimated remaining funds due at closing
$56,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,291.82
Your down payment$44,291.82
Closing costs + prepaids$12,172.80
Total buyer cash needed$56,464.62
Remaining funds due$56,464.62
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%)$1,603.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$310.00
Prepaid interest, first (26 days)$1,391.26
Fees + prepaids$12,172.80
Your down payment is the seller’s equity. You take over the $320,708 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $56,464.62 is due at closing. Uses and sources reconcile at $377,172.80 each. Not a Closing Disclosure.