Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$16,980Cash toward the purchase price.
Closing costs + prepaids$12,716Not just lender fees.
Before credits & paid funds$29,696The complete starting cash picture.
Estimated remaining funds due at closing
$29,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,979.80
Your down payment$16,979.80
Closing costs + prepaids$12,715.79
Total buyer cash needed$29,695.59
Remaining funds due$29,695.59
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%)$3,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,850.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$967.50
Prepaid interest, first (27 days)$810.19
Fees + prepaids$12,715.79
Your down payment is the seller’s equity. You take over the $370,020 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $29,695.59 is due at closing. Uses and sources reconcile at $399,715.79 each. Not a Closing Disclosure.