Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,896Cash toward the purchase price.
Closing costs + prepaids$13,643Not just lender fees.
Before credits & paid funds$31,539The complete starting cash picture.
Estimated remaining funds due at closing
$31,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,895.93
Your down payment$17,895.93
Closing costs + prepaids$13,642.79
Total buyer cash needed$31,538.72
Remaining funds due$31,538.72
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,885.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$509.50
Prepaid interest, first (31 days)$2,081.27
Fees + prepaids$13,642.79
Your down payment is the seller’s equity. You take over the $377,004 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $31,538.72 is due at closing. Uses and sources reconcile at $408,542.79 each. Not a Closing Disclosure.