Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$27,138Cash toward the purchase price.
Closing costs + prepaids$11,117Not just lender fees.
Before credits & paid funds$38,255The complete starting cash picture.
Estimated remaining funds due at closing
$38,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,137.63
Your down payment$27,137.63
Closing costs + prepaids$11,117.44
Total buyer cash needed$38,255.07
Remaining funds due$38,255.07
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%)$3,619.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,674.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.50
Prepaid interest, first (6 days)$170.64
Fees + prepaids$11,117.44
Your down payment is the seller’s equity. You take over the $334,861 balance, so the rest of the $361,999 price is paid at closing. A second mortgage can cover part of it. $38,255.07 is due at closing. Uses and sources reconcile at $373,116.44 each. Not a Closing Disclosure.