Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$43,308Cash toward the purchase price.
Closing costs + prepaids$11,049Not just lender fees.
Before credits & paid funds$54,357The complete starting cash picture.
Estimated remaining funds due at closing
$54,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,308.48
Your down payment$43,308.48
Closing costs + prepaids$11,048.61
Total buyer cash needed$54,357.09
Remaining funds due$54,357.09
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,558.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.00
Prepaid interest, first (6 days)$296.15
Fees + prepaids$11,048.61
Your down payment is the seller’s equity. You take over the $311,692 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $54,357.09 is due at closing. Uses and sources reconcile at $366,048.61 each. Not a Closing Disclosure.