Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$26,888Cash toward the purchase price.
Closing costs + prepaids$11,422Not just lender fees.
Before credits & paid funds$38,311The complete starting cash picture.
Estimated remaining funds due at closing
$38,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,888.34
Your down payment$26,888.34
Closing costs + prepaids$11,422.27
Total buyer cash needed$38,310.60
Remaining funds due$38,310.60
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,715.06
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)$346.21
Fees + prepaids$11,422.27
Your down payment is the seller’s equity. You take over the $343,012 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $38,310.60 is due at closing. Uses and sources reconcile at $381,322.27 each. Not a Closing Disclosure.