Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,397Cash toward the purchase price.
Closing costs + prepaids$13,487Not just lender fees.
Before credits & paid funds$41,885The complete starting cash picture.
Estimated remaining funds due at closing
$41,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,397.19
Your down payment$28,397.19
Closing costs + prepaids$13,487.43
Total buyer cash needed$41,884.62
Remaining funds due$41,884.62
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%)$3,849.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,782.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$281.25
Initial HOA (3 months)$333.00
Prepaid interest, first (30 days)$2,022.32
Fees + prepaids$13,487.43
Your down payment is the seller’s equity. You take over the $356,593 balance, so the rest of the $384,990 price is paid at closing. A second mortgage can cover part of it. $41,884.62 is due at closing. Uses and sources reconcile at $398,477.43 each. Not a Closing Disclosure.