Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$30,059Cash toward the purchase price.
Closing costs + prepaids$16,891Not just lender fees.
Before credits & paid funds$46,950The complete starting cash picture.
Estimated remaining funds due at closing
$46,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,059.36
Your down payment$30,059.36
Closing costs + prepaids$16,890.81
Total buyer cash needed$46,950.17
Remaining funds due$46,950.17
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%)$1,824.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,083.00
Initial HOA (3 months)$3,015.00
Prepaid interest, first (28 days)$1,800.11
Fees + prepaids$16,890.81
Your down payment is the seller’s equity. You take over the $364,941 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $46,950.17 is due at closing. Uses and sources reconcile at $411,890.81 each. Not a Closing Disclosure.