Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$25,331Cash toward the purchase price.
Closing costs + prepaids$12,193Not just lender fees.
Before credits & paid funds$37,524The complete starting cash picture.
Estimated remaining funds due at closing
$37,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,330.85
Your down payment$25,330.85
Closing costs + prepaids$12,192.91
Total buyer cash needed$37,523.76
Remaining funds due$37,523.76
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%)$3,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,763.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.50
Prepaid interest, first (14 days)$959.07
Fees + prepaids$12,192.91
Your down payment is the seller’s equity. You take over the $352,669 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $37,523.76 is due at closing. Uses and sources reconcile at $390,192.91 each. Not a Closing Disclosure.