Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$25,430Cash toward the purchase price.
Closing costs + prepaids$11,972Not just lender fees.
Before credits & paid funds$37,401The complete starting cash picture.
Estimated remaining funds due at closing
$37,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,429.61
Your down payment$25,429.61
Closing costs + prepaids$11,971.70
Total buyer cash needed$37,401.31
Remaining funds due$37,401.31
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%)$3,660.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,702.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$439.25
Initial HOA (3 months)$366.00
Prepaid interest, first (12 days)$585.59
Fees + prepaids$11,971.70
Your down payment is the seller’s equity. You take over the $340,570 balance, so the rest of the $366,000 price is paid at closing. A second mortgage can cover part of it. $37,401.31 is due at closing. Uses and sources reconcile at $377,971.70 each. Not a Closing Disclosure.