Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$55,789Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$67,372The complete starting cash picture.
Estimated remaining funds due at closing
$67,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,789.28
Your down payment$55,789.28
Closing costs + prepaids$11,582.43
Total buyer cash needed$67,371.72
Remaining funds due$67,371.72
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%)$1,666.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (23 days)$808.38
Fees + prepaids$11,582.43
Your down payment is the seller’s equity. You take over the $333,211 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $67,371.72 is due at closing. Uses and sources reconcile at $400,582.43 each. Not a Closing Disclosure.