Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,825Cash toward the purchase price.
Closing costs + prepaids$15,045Not just lender fees.
Before credits & paid funds$72,871The complete starting cash picture.
Estimated remaining funds due at closing
$72,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,825.36
Your down payment$57,825.36
Closing costs + prepaids$15,045.22
Total buyer cash needed$72,870.58
Remaining funds due$72,870.58
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%)$3,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,650.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$970.00
Initial HOA (3 months)$1,680.00
Prepaid interest, first (28 days)$1,646.35
Fees + prepaids$15,045.22
Your down payment is the seller’s equity. You take over the $330,175 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $72,870.58 is due at closing. Uses and sources reconcile at $403,045.22 each. Not a Closing Disclosure.