Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$39,039Cash toward the purchase price.
Closing costs + prepaids$13,370Not just lender fees.
Before credits & paid funds$52,408The complete starting cash picture.
Estimated remaining funds due at closing
$52,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,038.53
Your down payment$39,038.53
Closing costs + prepaids$13,369.90
Total buyer cash needed$52,408.43
Remaining funds due$52,408.43
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%)$3,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,739.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$751.00
Prepaid interest, first (28 days)$1,791.10
Fees + prepaids$13,369.90
Your down payment is the seller’s equity. You take over the $347,961 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $52,408.43 is due at closing. Uses and sources reconcile at $400,369.90 each. Not a Closing Disclosure.