Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,003Cash toward the purchase price.
Closing costs + prepaids$13,259Not just lender fees.
Before credits & paid funds$36,262The complete starting cash picture.
Estimated remaining funds due at closing
$36,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,003.14
Your down payment$23,003.14
Closing costs + prepaids$13,258.90
Total buyer cash needed$36,262.04
Remaining funds due$36,262.04
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%)$3,898.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,834.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$974.75
Prepaid interest, first (26 days)$1,332.85
Fees + prepaids$13,258.90
Your down payment is the seller’s equity. You take over the $366,885 balance, so the rest of the $389,888 price is paid at closing. A second mortgage can cover part of it. $36,262.04 is due at closing. Uses and sources reconcile at $403,146.90 each. Not a Closing Disclosure.