Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$17,512Cash toward the purchase price.
Closing costs + prepaids$13,528Not just lender fees.
Before credits & paid funds$31,040The complete starting cash picture.
Estimated remaining funds due at closing
$31,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,511.70
Your down payment$17,511.70
Closing costs + prepaids$13,528.34
Total buyer cash needed$31,040.04
Remaining funds due$31,040.04
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,836.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,017.75
Prepaid interest, first (23 days)$1,606.64
Fees + prepaids$13,528.34
Your down payment is the seller’s equity. You take over the $367,388 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $31,040.04 is due at closing. Uses and sources reconcile at $398,428.34 each. Not a Closing Disclosure.