Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,952Cash toward the purchase price.
Closing costs + prepaids$14,091Not just lender fees.
Before credits & paid funds$17,042The complete starting cash picture.
Estimated remaining funds due at closing
$17,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,951.59
Your down payment$2,951.59
Closing costs + prepaids$14,090.70
Total buyer cash needed$17,042.29
Remaining funds due$17,042.29
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,960.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.50
Prepaid interest, first (27 days)$1,974.96
Fees + prepaids$14,090.70
Your down payment is the seller’s equity. You take over the $392,048 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $17,042.29 is due at closing. Uses and sources reconcile at $409,090.70 each. Not a Closing Disclosure.