Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,987Cash toward the purchase price.
Closing costs + prepaids$12,981Not just lender fees.
Before credits & paid funds$34,968The complete starting cash picture.
Estimated remaining funds due at closing
$34,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,987.18
Your down payment$21,987.18
Closing costs + prepaids$12,981.24
Total buyer cash needed$34,968.42
Remaining funds due$34,968.42
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%)$1,840.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,091.75
Prepaid interest, first (31 days)$931.43
Fees + prepaids$12,981.24
Your down payment is the seller’s equity. You take over the $368,013 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $34,968.42 is due at closing. Uses and sources reconcile at $402,981.24 each. Not a Closing Disclosure.