Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,072Cash toward the purchase price.
Closing costs + prepaids$13,610Not just lender fees.
Before credits & paid funds$37,682The complete starting cash picture.
Estimated remaining funds due at closing
$37,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,071.94
Your down payment$24,071.94
Closing costs + prepaids$13,610.17
Total buyer cash needed$37,682.12
Remaining funds due$37,682.12
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%)$3,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$757.75
Initial HOA (3 months)$435.00
Prepaid interest, first (23 days)$1,499.78
Fees + prepaids$13,610.17
Your down payment is the seller’s equity. You take over the $363,928 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $37,682.12 is due at closing. Uses and sources reconcile at $401,610.17 each. Not a Closing Disclosure.