Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,037Cash toward the purchase price.
Closing costs + prepaids$15,709Not just lender fees.
Before credits & paid funds$36,745The complete starting cash picture.
Estimated remaining funds due at closing
$36,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,036.51
Your down payment$21,036.51
Closing costs + prepaids$15,708.89
Total buyer cash needed$36,745.39
Remaining funds due$36,745.39
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%)$3,899.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,844.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,628.75
Prepaid interest, first (31 days)$2,118.07
Fees + prepaids$15,708.89
Your down payment is the seller’s equity. You take over the $368,913 balance, so the rest of the $389,950 price is paid at closing. A second mortgage can cover part of it. $36,745.39 is due at closing. Uses and sources reconcile at $405,658.89 each. Not a Closing Disclosure.