Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$14,289Cash toward the purchase price.
Closing costs + prepaids$14,062Not just lender fees.
Before credits & paid funds$28,350The complete starting cash picture.
Estimated remaining funds due at closing
$28,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,288.61
Your down payment$14,288.61
Closing costs + prepaids$14,061.63
Total buyer cash needed$28,350.25
Remaining funds due$28,350.25
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%)$1,878.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,178.00
Initial HOA (3 months)$252.99
Prepaid interest, first (25 days)$1,634.09
Fees + prepaids$14,061.63
Your down payment is the seller’s equity. You take over the $375,711 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $28,350.25 is due at closing. Uses and sources reconcile at $404,061.63 each. Not a Closing Disclosure.