Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$57,346Cash toward the purchase price.
Closing costs + prepaids$12,995Not just lender fees.
Before credits & paid funds$70,341The complete starting cash picture.
Estimated remaining funds due at closing
$70,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,346.03
Your down payment$57,346.03
Closing costs + prepaids$12,995.06
Total buyer cash needed$70,341.08
Remaining funds due$70,341.08
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,662.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$1,177.79
Fees + prepaids$12,995.06
Your down payment is the seller’s equity. You take over the $332,554 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $70,341.08 is due at closing. Uses and sources reconcile at $402,895.06 each. Not a Closing Disclosure.