Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$31,635Cash toward the purchase price.
Closing costs + prepaids$12,161Not just lender fees.
Before credits & paid funds$43,796The complete starting cash picture.
Estimated remaining funds due at closing
$43,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,635.31
Your down payment$31,635.31
Closing costs + prepaids$12,161.07
Total buyer cash needed$43,796.38
Remaining funds due$43,796.38
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%)$1,791.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$994.50
Prepaid interest, first (5 days)$256.75
Fees + prepaids$12,161.07
Your down payment is the seller’s equity. You take over the $358,365 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $43,796.38 is due at closing. Uses and sources reconcile at $402,161.07 each. Not a Closing Disclosure.