Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$28,341Cash toward the purchase price.
Closing costs + prepaids$12,641Not just lender fees.
Before credits & paid funds$40,982The complete starting cash picture.
Estimated remaining funds due at closing
$40,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,341.23
Your down payment$28,341.23
Closing costs + prepaids$12,640.59
Total buyer cash needed$40,981.82
Remaining funds due$40,981.82
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%)$1,808.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.75
Prepaid interest, first (18 days)$1,239.55
Fees + prepaids$12,640.59
Your down payment is the seller’s equity. You take over the $361,659 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $40,981.82 is due at closing. Uses and sources reconcile at $402,640.59 each. Not a Closing Disclosure.