Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$38,343Cash toward the purchase price.
Closing costs + prepaids$12,965Not just lender fees.
Before credits & paid funds$51,307The complete starting cash picture.
Estimated remaining funds due at closing
$51,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,342.64
Your down payment$38,342.64
Closing costs + prepaids$12,964.79
Total buyer cash needed$51,307.43
Remaining funds due$51,307.43
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,707.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$854.50
Prepaid interest, first (22 days)$1,385.51
Fees + prepaids$12,964.79
Your down payment is the seller’s equity. You take over the $341,557 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $51,307.43 is due at closing. Uses and sources reconcile at $392,864.79 each. Not a Closing Disclosure.