Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$58,573Cash toward the purchase price.
Closing costs + prepaids$12,922Not just lender fees.
Before credits & paid funds$71,494The complete starting cash picture.
Estimated remaining funds due at closing
$71,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,572.77
Your down payment$58,572.77
Closing costs + prepaids$12,921.69
Total buyer cash needed$71,494.46
Remaining funds due$71,494.46
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%)$1,656.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (28 days)$1,710.56
Fees + prepaids$12,921.69
Your down payment is the seller’s equity. You take over the $331,327 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $71,494.46 is due at closing. Uses and sources reconcile at $402,821.69 each. Not a Closing Disclosure.