Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,620Cash toward the purchase price.
Closing costs + prepaids$12,220Not just lender fees.
Before credits & paid funds$38,840The complete starting cash picture.
Estimated remaining funds due at closing
$38,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,619.75
Your down payment$26,619.75
Closing costs + prepaids$12,220.05
Total buyer cash needed$38,839.80
Remaining funds due$38,839.80
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,791.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,260.00
Prepaid interest, first (2 days)$100.15
Fees + prepaids$12,220.05
Your down payment is the seller’s equity. You take over the $358,380 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $38,839.80 is due at closing. Uses and sources reconcile at $397,220.05 each. Not a Closing Disclosure.