Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,837Cash toward the purchase price.
Closing costs + prepaids$13,519Not just lender fees.
Before credits & paid funds$44,356The complete starting cash picture.
Estimated remaining funds due at closing
$44,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,837.34
Your down payment$30,837.34
Closing costs + prepaids$13,518.70
Total buyer cash needed$44,356.04
Remaining funds due$44,356.04
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%)$3,875.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$663.25
Prepaid interest, first (26 days)$1,979.14
Fees + prepaids$13,518.70
Your down payment is the seller’s equity. You take over the $356,663 balance, so the rest of the $387,500 price is paid at closing. A second mortgage can cover part of it. $44,356.04 is due at closing. Uses and sources reconcile at $401,018.70 each. Not a Closing Disclosure.