Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$6,652Cash toward the purchase price.
Closing costs + prepaids$13,126Not just lender fees.
Before credits & paid funds$19,778The complete starting cash picture.
Estimated remaining funds due at closing
$19,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,652.17
Your down payment$6,652.17
Closing costs + prepaids$13,126.19
Total buyer cash needed$19,778.36
Remaining funds due$19,778.36
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,916.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$318.25
Prepaid interest, first (27 days)$1,774.70
Fees + prepaids$13,126.19
Your down payment is the seller’s equity. You take over the $383,248 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $19,778.36 is due at closing. Uses and sources reconcile at $403,026.19 each. Not a Closing Disclosure.