Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,481Cash toward the purchase price.
Closing costs + prepaids$13,056Not just lender fees.
Before credits & paid funds$50,538The complete starting cash picture.
Estimated remaining funds due at closing
$50,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,481.43
Your down payment$37,481.43
Closing costs + prepaids$13,056.29
Total buyer cash needed$50,537.72
Remaining funds due$50,537.72
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%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,802.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$205.50
Prepaid interest, first (28 days)$1,850.20
Fees + prepaids$13,056.29
Your down payment is the seller’s equity. You take over the $360,519 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $50,537.72 is due at closing. Uses and sources reconcile at $411,056.29 each. Not a Closing Disclosure.