Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,709Cash toward the purchase price.
Closing costs + prepaids$13,254Not just lender fees.
Before credits & paid funds$33,963The complete starting cash picture.
Estimated remaining funds due at closing
$33,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,708.79
Your down payment$20,708.79
Closing costs + prepaids$13,254.22
Total buyer cash needed$33,963.01
Remaining funds due$33,963.01
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%)$1,721.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$185.50
Initial HOA (3 months)$447.00
Prepaid interest, first (31 days)$2,032.26
Fees + prepaids$13,254.22
Your down payment is the seller’s equity. You take over the $344,291 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $33,963.01 is due at closing. Uses and sources reconcile at $378,254.22 each. Not a Closing Disclosure.