Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$10,266Cash toward the purchase price.
Closing costs + prepaids$11,801Not just lender fees.
Before credits & paid funds$22,066The complete starting cash picture.
Estimated remaining funds due at closing
$22,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,265.97
Your down payment$10,265.97
Closing costs + prepaids$11,800.50
Total buyer cash needed$22,066.47
Remaining funds due$22,066.47
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,798.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Prepaid interest, first (12 days)$639.83
Fees + prepaids$11,800.50
Your down payment is the seller’s equity. You take over the $359,734 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $22,066.47 is due at closing. Uses and sources reconcile at $381,800.50 each. Not a Closing Disclosure.