Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,601Cash toward the purchase price.
Closing costs + prepaids$13,268Not just lender fees.
Before credits & paid funds$60,869The complete starting cash picture.
Estimated remaining funds due at closing
$60,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,600.86
Your down payment$47,600.86
Closing costs + prepaids$13,267.68
Total buyer cash needed$60,868.55
Remaining funds due$60,868.55
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,737.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.25
Prepaid interest, first (31 days)$1,941.44
Fees + prepaids$13,267.68
Your down payment is the seller’s equity. You take over the $347,399 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $60,868.55 is due at closing. Uses and sources reconcile at $408,267.68 each. Not a Closing Disclosure.