Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,126Cash toward the purchase price.
Closing costs + prepaids$14,674Not just lender fees.
Before credits & paid funds$48,799The complete starting cash picture.
Estimated remaining funds due at closing
$48,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,125.66
Your down payment$34,125.66
Closing costs + prepaids$14,673.66
Total buyer cash needed$48,799.32
Remaining funds due$48,799.32
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,778.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,109.00
Initial HOA (3 months)$771.00
Prepaid interest, first (30 days)$1,897.79
Fees + prepaids$14,673.66
Your down payment is the seller’s equity. You take over the $355,774 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $48,799.32 is due at closing. Uses and sources reconcile at $404,573.66 each. Not a Closing Disclosure.