Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,331Cash toward the purchase price.
Closing costs + prepaids$13,083Not just lender fees.
Before credits & paid funds$38,414The complete starting cash picture.
Estimated remaining funds due at closing
$38,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,330.85
Your down payment$25,330.85
Closing costs + prepaids$13,082.96
Total buyer cash needed$38,413.81
Remaining funds due$38,413.81
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%)$3,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,763.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$677.50
Prepaid interest, first (24 days)$1,644.11
Fees + prepaids$13,082.96
Your down payment is the seller’s equity. You take over the $352,669 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $38,413.81 is due at closing. Uses and sources reconcile at $391,082.96 each. Not a Closing Disclosure.