Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,240Cash toward the purchase price.
Closing costs + prepaids$13,171Not just lender fees.
Before credits & paid funds$35,411The complete starting cash picture.
Estimated remaining funds due at closing
$35,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,240.23
Your down payment$22,240.23
Closing costs + prepaids$13,171.01
Total buyer cash needed$35,411.24
Remaining funds due$35,411.24
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%)$1,833.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$204.50
Prepaid interest, first (31 days)$2,024.71
Fees + prepaids$13,171.01
Your down payment is the seller’s equity. You take over the $366,760 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $35,411.24 is due at closing. Uses and sources reconcile at $402,171.01 each. Not a Closing Disclosure.