Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$2,313Cash toward the purchase price.
Closing costs + prepaids$13,306Not just lender fees.
Before credits & paid funds$15,619The complete starting cash picture.
Estimated remaining funds due at closing
$15,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,313.20
Your down payment$2,313.20
Closing costs + prepaids$13,305.65
Total buyer cash needed$15,618.86
Remaining funds due$15,618.86
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%)$3,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,948.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,185.75
Prepaid interest, first (22 days)$1,033.47
Fees + prepaids$13,305.65
Your down payment is the seller’s equity. You take over the $389,687 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $15,618.86 is due at closing. Uses and sources reconcile at $405,305.65 each. Not a Closing Disclosure.