Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,512Cash toward the purchase price.
Closing costs + prepaids$12,922Not just lender fees.
Before credits & paid funds$35,435The complete starting cash picture.
Estimated remaining funds due at closing
$35,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,512.42
Your down payment$22,512.42
Closing costs + prepaids$12,922.25
Total buyer cash needed$35,434.67
Remaining funds due$35,434.67
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%)$1,836.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$335.00
Prepaid interest, first (27 days)$1,633.31
Fees + prepaids$12,922.25
Your down payment is the seller’s equity. You take over the $367,388 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $35,434.67 is due at closing. Uses and sources reconcile at $402,822.25 each. Not a Closing Disclosure.