Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$20,308Cash toward the purchase price.
Closing costs + prepaids$13,031Not just lender fees.
Before credits & paid funds$33,339The complete starting cash picture.
Estimated remaining funds due at closing
$33,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,308.03
Your down payment$20,308.03
Closing costs + prepaids$13,030.64
Total buyer cash needed$33,338.67
Remaining funds due$33,338.67
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%)$3,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,828.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$576.25
Prepaid interest, first (25 days)$1,547.93
Fees + prepaids$13,030.64
Your down payment is the seller’s equity. You take over the $365,692 balance, so the rest of the $386,000 price is paid at closing. A second mortgage can cover part of it. $33,338.67 is due at closing. Uses and sources reconcile at $399,030.64 each. Not a Closing Disclosure.