Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$23,933Cash toward the purchase price.
Closing costs + prepaids$11,361Not just lender fees.
Before credits & paid funds$35,294The complete starting cash picture.
Estimated remaining funds due at closing
$35,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,933.38
Your down payment$23,933.38
Closing costs + prepaids$11,360.62
Total buyer cash needed$35,294.00
Remaining funds due$35,294.00
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,705.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Prepaid interest, first (6 days)$349.29
Fees + prepaids$11,360.62
Your down payment is the seller’s equity. You take over the $341,067 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $35,294.00 is due at closing. Uses and sources reconcile at $376,360.62 each. Not a Closing Disclosure.