Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$28,721Cash toward the purchase price.
Closing costs + prepaids$11,682Not just lender fees.
Before credits & paid funds$40,403The complete starting cash picture.
Estimated remaining funds due at closing
$40,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,721.26
Your down payment$28,721.26
Closing costs + prepaids$11,681.65
Total buyer cash needed$40,402.91
Remaining funds due$40,402.91
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,651.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$915.50
Prepaid interest, first (5 days)$306.75
Fees + prepaids$11,681.65
Your down payment is the seller’s equity. You take over the $330,279 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $40,402.91 is due at closing. Uses and sources reconcile at $370,681.65 each. Not a Closing Disclosure.