Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$51,802Cash toward the purchase price.
Closing costs + prepaids$12,297Not just lender fees.
Before credits & paid funds$64,100The complete starting cash picture.
Estimated remaining funds due at closing
$64,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,802.44
Your down payment$51,802.44
Closing costs + prepaids$12,297.41
Total buyer cash needed$64,099.85
Remaining funds due$64,099.85
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,690.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$803.50
Prepaid interest, first (24 days)$684.92
Fees + prepaids$12,297.41
Your down payment is the seller’s equity. You take over the $338,198 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $64,099.85 is due at closing. Uses and sources reconcile at $402,297.41 each. Not a Closing Disclosure.