Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,320Cash toward the purchase price.
Closing costs + prepaids$13,369Not just lender fees.
Before credits & paid funds$36,689The complete starting cash picture.
Estimated remaining funds due at closing
$36,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,319.71
Your down payment$23,319.71
Closing costs + prepaids$13,369.22
Total buyer cash needed$36,688.94
Remaining funds due$36,688.94
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%)$1,858.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.75
Prepaid interest, first (31 days)$2,096.07
Fees + prepaids$13,369.22
Your down payment is the seller’s equity. You take over the $371,680 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $36,688.94 is due at closing. Uses and sources reconcile at $408,369.22 each. Not a Closing Disclosure.