Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$16,289Cash toward the purchase price.
Closing costs + prepaids$12,143Not just lender fees.
Before credits & paid funds$28,432The complete starting cash picture.
Estimated remaining funds due at closing
$28,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,289.04
Your down payment$16,289.04
Closing costs + prepaids$12,142.87
Total buyer cash needed$28,431.92
Remaining funds due$28,431.92
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%)$3,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,888.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.50
Prepaid interest, first (15 days)$603.82
Fees + prepaids$12,142.87
Your down payment is the seller’s equity. You take over the $377,711 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $28,431.92 is due at closing. Uses and sources reconcile at $406,142.87 each. Not a Closing Disclosure.