Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$29,319Cash toward the purchase price.
Closing costs + prepaids$12,357Not just lender fees.
Before credits & paid funds$41,676The complete starting cash picture.
Estimated remaining funds due at closing
$41,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,318.89
Your down payment$29,318.89
Closing costs + prepaids$12,357.36
Total buyer cash needed$41,676.25
Remaining funds due$41,676.25
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%)$1,802.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.50
Prepaid interest, first (16 days)$949.96
Fees + prepaids$12,357.36
Your down payment is the seller’s equity. You take over the $360,581 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $41,676.25 is due at closing. Uses and sources reconcile at $402,257.36 each. Not a Closing Disclosure.