Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$24,934Cash toward the purchase price.
Closing costs + prepaids$12,653Not just lender fees.
Before credits & paid funds$37,587The complete starting cash picture.
Estimated remaining funds due at closing
$37,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,934.05
Your down payment$24,934.05
Closing costs + prepaids$12,652.69
Total buyer cash needed$37,586.73
Remaining funds due$37,586.73
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%)$3,674.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,712.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$918.50
Prepaid interest, first (18 days)$1,129.86
Fees + prepaids$12,652.69
Your down payment is the seller’s equity. You take over the $342,466 balance, so the rest of the $367,400 price is paid at closing. A second mortgage can cover part of it. $37,586.73 is due at closing. Uses and sources reconcile at $380,052.69 each. Not a Closing Disclosure.