Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$26,187Cash toward the purchase price.
Closing costs + prepaids$13,176Not just lender fees.
Before credits & paid funds$39,363The complete starting cash picture.
Estimated remaining funds due at closing
$39,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,186.56
Your down payment$26,186.56
Closing costs + prepaids$13,176.23
Total buyer cash needed$39,362.79
Remaining funds due$39,362.79
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,794.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.00
Prepaid interest, first (28 days)$1,800.16
Fees + prepaids$13,176.23
Your down payment is the seller’s equity. You take over the $358,813 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $39,362.79 is due at closing. Uses and sources reconcile at $398,176.23 each. Not a Closing Disclosure.