Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$38,343Cash toward the purchase price.
Closing costs + prepaids$12,008Not just lender fees.
Before credits & paid funds$50,351The complete starting cash picture.
Estimated remaining funds due at closing
$50,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,342.64
Your down payment$38,342.64
Closing costs + prepaids$12,008.42
Total buyer cash needed$50,351.06
Remaining funds due$50,351.06
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,707.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$968.75
Prepaid interest, first (5 days)$314.89
Fees + prepaids$12,008.42
Your down payment is the seller’s equity. You take over the $341,557 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $50,351.06 is due at closing. Uses and sources reconcile at $391,908.42 each. Not a Closing Disclosure.