Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,420Cash toward the purchase price.
Closing costs + prepaids$14,973Not just lender fees.
Before credits & paid funds$53,393The complete starting cash picture.
Estimated remaining funds due at closing
$53,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,420.01
Your down payment$38,420.01
Closing costs + prepaids$14,972.54
Total buyer cash needed$53,392.55
Remaining funds due$53,392.55
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%)$1,782.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.50
Initial HOA (3 months)$999.00
Prepaid interest, first (28 days)$2,035.14
Fees + prepaids$14,972.54
Your down payment is the seller’s equity. You take over the $356,580 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $53,392.55 is due at closing. Uses and sources reconcile at $409,972.54 each. Not a Closing Disclosure.