Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$47,587Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$60,119The complete starting cash picture.
Estimated remaining funds due at closing
$60,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,586.95
Your down payment$47,586.95
Closing costs + prepaids$12,532.11
Total buyer cash needed$60,119.06
Remaining funds due$60,119.06
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,712.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$975.00
Prepaid interest, first (25 days)$727.04
Fees + prepaids$12,532.11
Your down payment is the seller’s equity. You take over the $342,413 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $60,119.06 is due at closing. Uses and sources reconcile at $402,532.11 each. Not a Closing Disclosure.