Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$16,569Cash toward the purchase price.
Closing costs + prepaids$14,335Not just lender fees.
Before credits & paid funds$30,904The complete starting cash picture.
Estimated remaining funds due at closing
$30,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,568.69
Your down payment$16,568.69
Closing costs + prepaids$14,334.89
Total buyer cash needed$30,903.57
Remaining funds due$30,903.57
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,867.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,370.75
Prepaid interest, first (29 days)$1,978.98
Fees + prepaids$14,334.89
Your down payment is the seller’s equity. You take over the $373,431 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $30,903.57 is due at closing. Uses and sources reconcile at $404,334.89 each. Not a Closing Disclosure.