Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$32,263Cash toward the purchase price.
Closing costs + prepaids$11,722Not just lender fees.
Before credits & paid funds$43,985The complete starting cash picture.
Estimated remaining funds due at closing
$43,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,262.97
Your down payment$32,262.97
Closing costs + prepaids$11,721.78
Total buyer cash needed$43,984.75
Remaining funds due$43,984.75
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,663.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.25
Prepaid interest, first (14 days)$733.84
Fees + prepaids$11,721.78
Your down payment is the seller’s equity. You take over the $332,737 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $43,984.75 is due at closing. Uses and sources reconcile at $376,721.78 each. Not a Closing Disclosure.