Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$44,059Cash toward the purchase price.
Closing costs + prepaids$11,697Not just lender fees.
Before credits & paid funds$55,756The complete starting cash picture.
Estimated remaining funds due at closing
$55,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,059.10
Your down payment$44,059.10
Closing costs + prepaids$11,697.24
Total buyer cash needed$55,756.33
Remaining funds due$55,756.33
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%)$1,604.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.25
Initial HOA (3 months)$90.00
Prepaid interest, first (14 days)$678.28
Fees + prepaids$11,697.24
Your down payment is the seller’s equity. You take over the $320,941 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $55,756.33 is due at closing. Uses and sources reconcile at $376,697.24 each. Not a Closing Disclosure.