Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$22,026Cash toward the purchase price.
Closing costs + prepaids$12,329Not just lender fees.
Before credits & paid funds$34,355The complete starting cash picture.
Estimated remaining funds due at closing
$34,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,026.17
Your down payment$22,026.17
Closing costs + prepaids$12,328.69
Total buyer cash needed$34,354.86
Remaining funds due$34,354.86
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%)$1,864.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,007.25
Prepaid interest, first (4 days)$288.57
Fees + prepaids$12,328.69
Your down payment is the seller’s equity. You take over the $372,974 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $34,354.86 is due at closing. Uses and sources reconcile at $407,328.69 each. Not a Closing Disclosure.