Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,944Cash toward the purchase price.
Closing costs + prepaids$12,396Not just lender fees.
Before credits & paid funds$48,340The complete starting cash picture.
Estimated remaining funds due at closing
$48,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,943.77
Your down payment$35,943.77
Closing costs + prepaids$12,396.41
Total buyer cash needed$48,340.17
Remaining funds due$48,340.17
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%)$1,795.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$238.50
Prepaid interest, first (22 days)$1,194.62
Fees + prepaids$12,396.41
Your down payment is the seller’s equity. You take over the $359,056 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $48,340.17 is due at closing. Uses and sources reconcile at $407,396.41 each. Not a Closing Disclosure.