Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$22,016Cash toward the purchase price.
Closing costs + prepaids$11,332Not just lender fees.
Before credits & paid funds$33,348The complete starting cash picture.
Estimated remaining funds due at closing
$33,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,016.20
Your down payment$22,016.20
Closing costs + prepaids$11,332.17
Total buyer cash needed$33,348.37
Remaining funds due$33,348.37
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,689.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$432.00
Prepaid interest, first (6 days)$392.25
Fees + prepaids$11,332.17
Your down payment is the seller’s equity. You take over the $337,984 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $33,348.37 is due at closing. Uses and sources reconcile at $371,332.17 each. Not a Closing Disclosure.