Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,574Cash toward the purchase price.
Closing costs + prepaids$12,052Not just lender fees.
Before credits & paid funds$38,626The complete starting cash picture.
Estimated remaining funds due at closing
$38,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,574.36
Your down payment$26,574.36
Closing costs + prepaids$12,051.98
Total buyer cash needed$38,626.33
Remaining funds due$38,626.33
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%)$3,897.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,815.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$513.00
Initial HOA (3 months)$540.00
Prepaid interest, first (1 days)$68.35
Fees + prepaids$12,051.98
Your down payment is the seller’s equity. You take over the $363,126 balance, so the rest of the $389,700 price is paid at closing. A second mortgage can cover part of it. $38,626.33 is due at closing. Uses and sources reconcile at $401,751.98 each. Not a Closing Disclosure.