Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$22,430Cash toward the purchase price.
Closing costs + prepaids$12,858Not just lender fees.
Before credits & paid funds$35,288The complete starting cash picture.
Estimated remaining funds due at closing
$35,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,430.07
Your down payment$22,430.07
Closing costs + prepaids$12,858.15
Total buyer cash needed$35,288.23
Remaining funds due$35,288.23
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%)$3,949.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$112.50
Prepaid interest, first (28 days)$1,714.83
Fees + prepaids$12,858.15
Your down payment is the seller’s equity. You take over the $372,568 balance, so the rest of the $394,998 price is paid at closing. A second mortgage can cover part of it. $35,288.23 is due at closing. Uses and sources reconcile at $407,856.15 each. Not a Closing Disclosure.