Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$18,132Cash toward the purchase price.
Closing costs + prepaids$11,766Not just lender fees.
Before credits & paid funds$29,898The complete starting cash picture.
Estimated remaining funds due at closing
$29,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,131.95
Your down payment$18,131.95
Closing costs + prepaids$11,765.63
Total buyer cash needed$29,897.58
Remaining funds due$29,897.58
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%)$1,734.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Prepaid interest, first (12 days)$725.29
Fees + prepaids$11,765.63
Your down payment is the seller’s equity. You take over the $346,868 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $29,897.58 is due at closing. Uses and sources reconcile at $376,765.63 each. Not a Closing Disclosure.