Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$17,290Cash toward the purchase price.
Closing costs + prepaids$13,487Not just lender fees.
Before credits & paid funds$30,777The complete starting cash picture.
Estimated remaining funds due at closing
$30,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,289.98
Your down payment$17,289.98
Closing costs + prepaids$13,486.62
Total buyer cash needed$30,776.60
Remaining funds due$30,776.60
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%)$3,888.76
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,857.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,217.00
Prepaid interest, first (29 days)$1,304.93
Fees + prepaids$13,486.62
Your down payment is the seller’s equity. You take over the $371,586 balance, so the rest of the $388,876 price is paid at closing. A second mortgage can cover part of it. $30,776.60 is due at closing. Uses and sources reconcile at $402,362.62 each. Not a Closing Disclosure.