Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$379,247Cash toward the purchase price.
Closing costs + prepaids$9,677Not just lender fees.
Before credits & paid funds$388,924The complete starting cash picture.
Estimated remaining funds due at closing
$388,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,247.06
Your down payment$379,247.06
Closing costs + prepaids$9,677.23
Total buyer cash needed$388,924.30
Remaining funds due$388,924.30
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$98.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$257.00
Prepaid interest, first (29 days)$113.47
Fees + prepaids$9,677.23
Your down payment is the seller’s equity. You take over the $19,753 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $388,924.30 is due at closing. Uses and sources reconcile at $408,677.23 each. Not a Closing Disclosure.