Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,462Cash toward the purchase price.
Closing costs + prepaids$13,684Not just lender fees.
Before credits & paid funds$33,146The complete starting cash picture.
Estimated remaining funds due at closing
$33,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,461.93
Your down payment$19,461.93
Closing costs + prepaids$13,684.50
Total buyer cash needed$33,146.42
Remaining funds due$33,146.42
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,852.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$578.75
Initial HOA (3 months)$6.24
Prepaid interest, first (30 days)$2,128.82
Fees + prepaids$13,684.50
Your down payment is the seller’s equity. You take over the $370,538 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $33,146.42 is due at closing. Uses and sources reconcile at $403,684.50 each. Not a Closing Disclosure.