Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,085Cash toward the purchase price.
Closing costs + prepaids$13,386Not just lender fees.
Before credits & paid funds$51,470The complete starting cash picture.
Estimated remaining funds due at closing
$51,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,084.77
Your down payment$38,084.77
Closing costs + prepaids$13,385.71
Total buyer cash needed$51,470.48
Remaining funds due$51,470.48
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%)$4,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,844.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$709.25
Prepaid interest, first (25 days)$1,543.88
Fees + prepaids$13,385.71
Your down payment is the seller’s equity. You take over the $368,915 balance, so the rest of the $407,000 price is paid at closing. A second mortgage can cover part of it. $51,470.48 is due at closing. Uses and sources reconcile at $420,385.71 each. Not a Closing Disclosure.