Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$39,856Cash toward the purchase price.
Closing costs + prepaids$12,559Not just lender fees.
Before credits & paid funds$52,415The complete starting cash picture.
Estimated remaining funds due at closing
$52,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,856.33
Your down payment$39,856.33
Closing costs + prepaids$12,559.17
Total buyer cash needed$52,415.50
Remaining funds due$52,415.50
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,775.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$739.75
Prepaid interest, first (30 days)$875.70
Fees + prepaids$12,559.17
Your down payment is the seller’s equity. You take over the $355,144 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $52,415.50 is due at closing. Uses and sources reconcile at $407,559.17 each. Not a Closing Disclosure.