Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,905Cash toward the purchase price.
Closing costs + prepaids$14,233Not just lender fees.
Before credits & paid funds$29,138The complete starting cash picture.
Estimated remaining funds due at closing
$29,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,905.17
Your down payment$14,905.17
Closing costs + prepaids$14,232.83
Total buyer cash needed$29,138.00
Remaining funds due$29,138.00
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%)$3,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,860.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,280.75
Prepaid interest, first (31 days)$2,003.60
Fees + prepaids$14,232.83
Your down payment is the seller’s equity. You take over the $372,095 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $29,138.00 is due at closing. Uses and sources reconcile at $401,232.83 each. Not a Closing Disclosure.