Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$7,816Cash toward the purchase price.
Closing costs + prepaids$13,053Not just lender fees.
Before credits & paid funds$20,869The complete starting cash picture.
Estimated remaining funds due at closing
$20,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,815.77
Your down payment$7,815.77
Closing costs + prepaids$13,053.27
Total buyer cash needed$20,869.05
Remaining funds due$20,869.05
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,885.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.75
Prepaid interest, first (27 days)$1,813.10
Fees + prepaids$13,053.27
Your down payment is the seller’s equity. You take over the $377,084 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $20,869.05 is due at closing. Uses and sources reconcile at $397,953.27 each. Not a Closing Disclosure.