Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,322Cash toward the purchase price.
Closing costs + prepaids$14,037Not just lender fees.
Before credits & paid funds$43,359The complete starting cash picture.
Estimated remaining funds due at closing
$43,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,321.94
Your down payment$29,321.94
Closing costs + prepaids$14,037.01
Total buyer cash needed$43,358.95
Remaining funds due$43,358.95
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%)$1,798.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,634.75
Prepaid interest, first (22 days)$1,495.87
Fees + prepaids$14,037.01
Your down payment is the seller’s equity. You take over the $359,678 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $43,358.95 is due at closing. Uses and sources reconcile at $403,037.01 each. Not a Closing Disclosure.