Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$37,568Cash toward the purchase price.
Closing costs + prepaids$12,870Not just lender fees.
Before credits & paid funds$50,438The complete starting cash picture.
Estimated remaining funds due at closing
$50,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,567.69
Your down payment$37,567.69
Closing costs + prepaids$12,869.96
Total buyer cash needed$50,437.65
Remaining funds due$50,437.65
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,761.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$687.75
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,108.54
Fees + prepaids$12,869.96
Your down payment is the seller’s equity. You take over the $352,332 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $50,437.65 is due at closing. Uses and sources reconcile at $402,769.96 each. Not a Closing Disclosure.