Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$8,782Cash toward the purchase price.
Closing costs + prepaids$12,540Not just lender fees.
Before credits & paid funds$21,321The complete starting cash picture.
Estimated remaining funds due at closing
$21,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,781.54
Your down payment$8,781.54
Closing costs + prepaids$12,539.57
Total buyer cash needed$21,321.11
Remaining funds due$21,321.11
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%)$1,781.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$682.75
Prepaid interest, first (22 days)$1,207.73
Fees + prepaids$12,539.57
Your down payment is the seller’s equity. You take over the $356,218 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $21,321.11 is due at closing. Uses and sources reconcile at $377,539.57 each. Not a Closing Disclosure.