Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$6,155Cash toward the purchase price.
Closing costs + prepaids$12,361Not just lender fees.
Before credits & paid funds$18,517The complete starting cash picture.
Estimated remaining funds due at closing
$18,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,155.17
Your down payment$6,155.17
Closing costs + prepaids$12,361.35
Total buyer cash needed$18,516.53
Remaining funds due$18,516.53
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,914.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,268.75
Prepaid interest, first (1 days)$70.38
Fees + prepaids$12,361.35
Your down payment is the seller’s equity. You take over the $382,845 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $18,516.53 is due at closing. Uses and sources reconcile at $401,361.35 each. Not a Closing Disclosure.