Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$37,222Cash toward the purchase price.
Closing costs + prepaids$11,541Not just lender fees.
Before credits & paid funds$48,763The complete starting cash picture.
Estimated remaining funds due at closing
$48,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,222.23
Your down payment$37,222.23
Closing costs + prepaids$11,541.18
Total buyer cash needed$48,763.41
Remaining funds due$48,763.41
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,663.39
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 (9 days)$516.79
Fees + prepaids$11,541.18
Your down payment is the seller’s equity. You take over the $332,678 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $48,763.41 is due at closing. Uses and sources reconcile at $381,441.18 each. Not a Closing Disclosure.