Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$39,108Cash toward the purchase price.
Closing costs + prepaids$11,753Not just lender fees.
Before credits & paid funds$50,861The complete starting cash picture.
Estimated remaining funds due at closing
$50,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,108.43
Your down payment$39,108.43
Closing costs + prepaids$11,752.99
Total buyer cash needed$50,861.41
Remaining funds due$50,861.41
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%)$1,753.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Prepaid interest, first (6 days)$414.03
Fees + prepaids$11,752.99
Your down payment is the seller’s equity. You take over the $350,792 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $50,861.41 is due at closing. Uses and sources reconcile at $401,652.99 each. Not a Closing Disclosure.