Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$39,541Cash toward the purchase price.
Closing costs + prepaids$12,573Not just lender fees.
Before credits & paid funds$52,114The complete starting cash picture.
Estimated remaining funds due at closing
$52,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,540.78
Your down payment$39,540.78
Closing costs + prepaids$12,573.28
Total buyer cash needed$52,114.06
Remaining funds due$52,114.06
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,747.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$936.25
Prepaid interest, first (23 days)$781.74
Fees + prepaids$12,573.28
Your down payment is the seller’s equity. You take over the $349,459 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $52,114.06 is due at closing. Uses and sources reconcile at $401,573.28 each. Not a Closing Disclosure.