Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,803Cash toward the purchase price.
Closing costs + prepaids$12,892Not just lender fees.
Before credits & paid funds$40,695The complete starting cash picture.
Estimated remaining funds due at closing
$40,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,803.06
Your down payment$27,803.06
Closing costs + prepaids$12,891.98
Total buyer cash needed$40,695.04
Remaining funds due$40,695.04
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%)$1,685.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$376.25
Prepaid interest, first (31 days)$1,961.75
Fees + prepaids$12,891.98
Your down payment is the seller’s equity. You take over the $337,197 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $40,695.04 is due at closing. Uses and sources reconcile at $377,891.98 each. Not a Closing Disclosure.