Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,944Cash toward the purchase price.
Closing costs + prepaids$12,831Not just lender fees.
Before credits & paid funds$48,775The complete starting cash picture.
Estimated remaining funds due at closing
$48,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,943.77
Your down payment$35,943.77
Closing costs + prepaids$12,830.81
Total buyer cash needed$48,774.58
Remaining funds due$48,774.58
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%)$1,795.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$238.50
Prepaid interest, first (30 days)$1,629.03
Fees + prepaids$12,830.81
Your down payment is the seller’s equity. You take over the $359,056 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $48,774.58 is due at closing. Uses and sources reconcile at $407,830.81 each. Not a Closing Disclosure.