Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$16,135Cash toward the purchase price.
Closing costs + prepaids$11,509Not just lender fees.
Before credits & paid funds$27,644The complete starting cash picture.
Estimated remaining funds due at closing
$27,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,135.25
Your down payment$16,135.25
Closing costs + prepaids$11,508.84
Total buyer cash needed$27,644.09
Remaining funds due$27,644.09
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,769.32
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 (6 days)$377.52
Fees + prepaids$11,508.84
Your down payment is the seller’s equity. You take over the $353,865 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $27,644.09 is due at closing. Uses and sources reconcile at $381,508.84 each. Not a Closing Disclosure.