Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,591Cash toward the purchase price.
Closing costs + prepaids$13,541Not just lender fees.
Before credits & paid funds$38,133The complete starting cash picture.
Estimated remaining funds due at closing
$38,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,591.13
Your down payment$24,591.13
Closing costs + prepaids$13,541.45
Total buyer cash needed$38,132.58
Remaining funds due$38,132.58
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%)$3,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,807.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.00
Initial HOA (3 months)$171.00
Prepaid interest, first (23 days)$1,448.41
Fees + prepaids$13,541.45
Your down payment is the seller’s equity. You take over the $361,409 balance, so the rest of the $386,000 price is paid at closing. A second mortgage can cover part of it. $38,132.58 is due at closing. Uses and sources reconcile at $399,541.45 each. Not a Closing Disclosure.