Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,868Cash toward the purchase price.
Closing costs + prepaids$13,608Not just lender fees.
Before credits & paid funds$34,476The complete starting cash picture.
Estimated remaining funds due at closing
$34,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,868.43
Your down payment$20,868.43
Closing costs + prepaids$13,608.06
Total buyer cash needed$34,476.49
Remaining funds due$34,476.49
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%)$1,845.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$975.00
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$1,519.41
Fees + prepaids$13,608.06
Your down payment is the seller’s equity. You take over the $369,132 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $34,476.49 is due at closing. Uses and sources reconcile at $403,608.06 each. Not a Closing Disclosure.