Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$32,277Cash toward the purchase price.
Closing costs + prepaids$11,953Not just lender fees.
Before credits & paid funds$44,230The complete starting cash picture.
Estimated remaining funds due at closing
$44,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,276.99
Your down payment$32,276.99
Closing costs + prepaids$11,953.18
Total buyer cash needed$44,230.17
Remaining funds due$44,230.17
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,713.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.75
Prepaid interest, first (18 days)$802.82
Fees + prepaids$11,953.18
Your down payment is the seller’s equity. You take over the $342,723 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $44,230.17 is due at closing. Uses and sources reconcile at $386,953.18 each. Not a Closing Disclosure.