Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$41,014Cash toward the purchase price.
Closing costs + prepaids$12,210Not just lender fees.
Before credits & paid funds$53,224The complete starting cash picture.
Estimated remaining funds due at closing
$53,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,014.10
Your down payment$41,014.10
Closing costs + prepaids$12,209.89
Total buyer cash needed$53,223.99
Remaining funds due$53,223.99
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%)$3,739.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,664.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$467.50
Prepaid interest, first (17 days)$1,120.96
Fees + prepaids$12,209.89
Your down payment is the seller’s equity. You take over the $332,886 balance, so the rest of the $373,900 price is paid at closing. A second mortgage can cover part of it. $53,223.99 is due at closing. Uses and sources reconcile at $386,109.89 each. Not a Closing Disclosure.