Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$73,208Cash toward the purchase price.
Closing costs + prepaids$13,076Not just lender fees.
Before credits & paid funds$86,283The complete starting cash picture.
Estimated remaining funds due at closing
$86,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,207.74
Your down payment$73,207.74
Closing costs + prepaids$13,075.59
Total buyer cash needed$86,283.33
Remaining funds due$86,283.33
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%)$1,578.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$972.50
Prepaid interest, first (22 days)$1,416.13
Fees + prepaids$13,075.59
Your down payment is the seller’s equity. You take over the $315,792 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $86,283.33 is due at closing. Uses and sources reconcile at $402,075.59 each. Not a Closing Disclosure.