Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$39,039Cash toward the purchase price.
Closing costs + prepaids$12,463Not just lender fees.
Before credits & paid funds$51,502The complete starting cash picture.
Estimated remaining funds due at closing
$51,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,038.53
Your down payment$39,038.53
Closing costs + prepaids$12,462.98
Total buyer cash needed$51,501.51
Remaining funds due$51,501.51
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%)$3,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,739.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.75
Prepaid interest, first (18 days)$1,151.42
Fees + prepaids$12,462.98
Your down payment is the seller’s equity. You take over the $347,961 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $51,501.51 is due at closing. Uses and sources reconcile at $399,462.98 each. Not a Closing Disclosure.