Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$387,462Cash toward the purchase price.
Closing costs + prepaids$9,648Not just lender fees.
Before credits & paid funds$397,110The complete starting cash picture.
Estimated remaining funds due at closing
$397,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,461.71
Your down payment$387,461.71
Closing costs + prepaids$9,648.32
Total buyer cash needed$397,110.04
Remaining funds due$397,110.04
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$37.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.50
Prepaid interest, first (24 days)$42.13
Fees + prepaids$9,648.32
Your down payment is the seller’s equity. You take over the $7,538 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $397,110.04 is due at closing. Uses and sources reconcile at $404,648.32 each. Not a Closing Disclosure.