Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$28,881Cash toward the purchase price.
Closing costs + prepaids$12,562Not just lender fees.
Before credits & paid funds$41,442The complete starting cash picture.
Estimated remaining funds due at closing
$41,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,880.70
Your down payment$28,880.70
Closing costs + prepaids$12,561.67
Total buyer cash needed$41,442.37
Remaining funds due$41,442.37
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%)$3,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,828.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$493.25
Prepaid interest, first (15 days)$1,077.32
Fees + prepaids$12,561.67
Your down payment is the seller’s equity. You take over the $365,619 balance, so the rest of the $394,500 price is paid at closing. A second mortgage can cover part of it. $41,442.37 is due at closing. Uses and sources reconcile at $407,061.67 each. Not a Closing Disclosure.