Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,061Cash toward the purchase price.
Closing costs + prepaids$14,066Not just lender fees.
Before credits & paid funds$43,127The complete starting cash picture.
Estimated remaining funds due at closing
$43,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,060.52
Your down payment$29,060.52
Closing costs + prepaids$14,066.22
Total buyer cash needed$43,126.74
Remaining funds due$43,126.74
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%)$1,799.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$972.50
Initial HOA (3 months)$267.00
Prepaid interest, first (28 days)$1,919.02
Fees + prepaids$14,066.22
Your down payment is the seller’s equity. You take over the $359,939 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $43,126.74 is due at closing. Uses and sources reconcile at $403,066.22 each. Not a Closing Disclosure.