Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,825Cash toward the purchase price.
Closing costs + prepaids$13,635Not just lender fees.
Before credits & paid funds$57,460The complete starting cash picture.
Estimated remaining funds due at closing
$57,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,824.70
Your down payment$43,824.70
Closing costs + prepaids$13,634.84
Total buyer cash needed$57,459.53
Remaining funds due$57,459.53
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%)$3,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,750.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.75
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$1,927.21
Fees + prepaids$13,634.84
Your down payment is the seller’s equity. You take over the $350,175 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $57,459.53 is due at closing. Uses and sources reconcile at $407,634.84 each. Not a Closing Disclosure.