Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,864Cash toward the purchase price.
Closing costs + prepaids$12,975Not just lender fees.
Before credits & paid funds$26,839The complete starting cash picture.
Estimated remaining funds due at closing
$26,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,863.90
Your down payment$13,863.90
Closing costs + prepaids$12,975.00
Total buyer cash needed$26,838.90
Remaining funds due$26,838.90
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,875.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$508.25
Prepaid interest, first (26 days)$1,483.07
Fees + prepaids$12,975.00
Your down payment is the seller’s equity. You take over the $375,136 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $26,838.90 is due at closing. Uses and sources reconcile at $401,975.00 each. Not a Closing Disclosure.