Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$49,015Cash toward the purchase price.
Closing costs + prepaids$12,457Not just lender fees.
Before credits & paid funds$61,473The complete starting cash picture.
Estimated remaining funds due at closing
$61,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,015.12
Your down payment$49,015.12
Closing costs + prepaids$12,457.39
Total buyer cash needed$61,472.52
Remaining funds due$61,472.52
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%)$1,699.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$178.50
Prepaid interest, first (24 days)$1,470.97
Fees + prepaids$12,457.39
Your down payment is the seller’s equity. You take over the $339,985 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $61,472.52 is due at closing. Uses and sources reconcile at $401,457.39 each. Not a Closing Disclosure.