Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,316Cash toward the purchase price.
Closing costs + prepaids$11,378Not just lender fees.
Before credits & paid funds$40,694The complete starting cash picture.
Estimated remaining funds due at closing
$40,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,315.90
Your down payment$29,315.90
Closing costs + prepaids$11,378.43
Total buyer cash needed$40,694.33
Remaining funds due$40,694.33
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%)$3,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$345.50
Prepaid interest, first (2 days)$141.51
Fees + prepaids$11,378.43
Your down payment is the seller’s equity. You take over the $358,684 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $40,694.33 is due at closing. Uses and sources reconcile at $399,378.43 each. Not a Closing Disclosure.