Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,625Cash toward the purchase price.
Closing costs + prepaids$14,059Not just lender fees.
Before credits & paid funds$42,684The complete starting cash picture.
Estimated remaining funds due at closing
$42,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,625.25
Your down payment$28,625.25
Closing costs + prepaids$14,058.92
Total buyer cash needed$42,684.17
Remaining funds due$42,684.17
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%)$1,831.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$735.25
Initial HOA (3 months)$246.00
Prepaid interest, first (30 days)$2,077.80
Fees + prepaids$14,058.92
Your down payment is the seller’s equity. You take over the $366,375 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $42,684.17 is due at closing. Uses and sources reconcile at $409,058.92 each. Not a Closing Disclosure.