Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,158Cash toward the purchase price.
Closing costs + prepaids$12,283Not just lender fees.
Before credits & paid funds$87,441The complete starting cash picture.
Estimated remaining funds due at closing
$87,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,158.40
Your down payment$75,158.40
Closing costs + prepaids$12,282.71
Total buyer cash needed$87,441.11
Remaining funds due$87,441.11
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,569.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$675.50
Initial HOA (3 months)$273.00
Prepaid interest, first (27 days)$657.00
Fees + prepaids$12,282.71
Your down payment is the seller’s equity. You take over the $313,842 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $87,441.11 is due at closing. Uses and sources reconcile at $401,282.71 each. Not a Closing Disclosure.