Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$10,041Cash toward the purchase price.
Closing costs + prepaids$11,732Not just lender fees.
Before credits & paid funds$21,773The complete starting cash picture.
Estimated remaining funds due at closing
$21,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,040.63
Your down payment$10,040.63
Closing costs + prepaids$11,732.08
Total buyer cash needed$21,772.71
Remaining funds due$21,772.71
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,849.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.00
Prepaid interest, first (12 days)$409.78
Fees + prepaids$11,732.08
Your down payment is the seller’s equity. You take over the $369,859 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $21,772.71 is due at closing. Uses and sources reconcile at $391,632.08 each. Not a Closing Disclosure.