Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$54,734Cash toward the purchase price.
Closing costs + prepaids$12,642Not just lender fees.
Before credits & paid funds$67,376The complete starting cash picture.
Estimated remaining funds due at closing
$67,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,734.46
Your down payment$54,734.46
Closing costs + prepaids$12,642.04
Total buyer cash needed$67,376.50
Remaining funds due$67,376.50
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,676.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$788.00
Initial HOA (3 months)$195.00
Prepaid interest, first (18 days)$864.71
Fees + prepaids$12,642.04
Your down payment is the seller’s equity. You take over the $335,266 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $67,376.50 is due at closing. Uses and sources reconcile at $402,642.04 each. Not a Closing Disclosure.