Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$377,677Cash toward the purchase price.
Closing costs + prepaids$9,454Not just lender fees.
Before credits & paid funds$387,131The complete starting cash picture.
Estimated remaining funds due at closing
$387,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,676.61
Your down payment$377,676.61
Closing costs + prepaids$9,454.11
Total buyer cash needed$387,130.71
Remaining funds due$387,130.71
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$61.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$211.50
Prepaid interest, first (27 days)$62.99
Fees + prepaids$9,454.11
Your down payment is the seller’s equity. You take over the $12,323 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $387,130.71 is due at closing. Uses and sources reconcile at $399,454.11 each. Not a Closing Disclosure.