Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$21,567Cash toward the purchase price.
Closing costs + prepaids$11,989Not just lender fees.
Before credits & paid funds$33,556The complete starting cash picture.
Estimated remaining funds due at closing
$33,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,566.93
Your down payment$21,566.93
Closing costs + prepaids$11,988.95
Total buyer cash needed$33,555.88
Remaining funds due$33,555.88
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,742.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$138.00
Prepaid interest, first (18 days)$1,190.78
Fees + prepaids$11,988.95
Your down payment is the seller’s equity. You take over the $348,433 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $33,555.88 is due at closing. Uses and sources reconcile at $381,988.95 each. Not a Closing Disclosure.