Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$34,897Cash toward the purchase price.
Closing costs + prepaids$11,860Not just lender fees.
Before credits & paid funds$46,757The complete starting cash picture.
Estimated remaining funds due at closing
$46,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,897.40
Your down payment$34,897.40
Closing costs + prepaids$11,859.58
Total buyer cash needed$46,756.98
Remaining funds due$46,756.98
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%)$1,675.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$240.00
Prepaid interest, first (10 days)$582.07
Fees + prepaids$11,859.58
Your down payment is the seller’s equity. You take over the $335,103 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $46,756.98 is due at closing. Uses and sources reconcile at $381,859.58 each. Not a Closing Disclosure.