Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$19,372Cash toward the purchase price.
Closing costs + prepaids$14,050Not just lender fees.
Before credits & paid funds$33,422The complete starting cash picture.
Estimated remaining funds due at closing
$33,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,371.80
Your down payment$19,371.80
Closing costs + prepaids$14,050.05
Total buyer cash needed$33,421.85
Remaining funds due$33,421.85
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,877.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.00
Initial HOA (3 months)$600.00
Prepaid interest, first (27 days)$1,933.40
Fees + prepaids$14,050.05
Your down payment is the seller’s equity. You take over the $375,528 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $33,421.85 is due at closing. Uses and sources reconcile at $408,950.05 each. Not a Closing Disclosure.