Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$27,643Cash toward the purchase price.
Closing costs + prepaids$12,931Not just lender fees.
Before credits & paid funds$40,574The complete starting cash picture.
Estimated remaining funds due at closing
$40,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,642.54
Your down payment$27,642.54
Closing costs + prepaids$12,931.10
Total buyer cash needed$40,573.64
Remaining funds due$40,573.64
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,806.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.75
Prepaid interest, first (27 days)$1,769.56
Fees + prepaids$12,931.10
Your down payment is the seller’s equity. You take over the $361,357 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $40,573.64 is due at closing. Uses and sources reconcile at $401,931.10 each. Not a Closing Disclosure.