Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$44,292Cash toward the purchase price.
Closing costs + prepaids$11,730Not just lender fees.
Before credits & paid funds$56,022The complete starting cash picture.
Estimated remaining funds due at closing
$56,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,291.82
Your down payment$44,291.82
Closing costs + prepaids$11,730.44
Total buyer cash needed$56,022.26
Remaining funds due$56,022.26
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%)$1,603.54
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 (15 days)$802.65
Fees + prepaids$11,730.44
Your down payment is the seller’s equity. You take over the $320,708 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $56,022.26 is due at closing. Uses and sources reconcile at $376,730.44 each. Not a Closing Disclosure.