Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,225Cash toward the purchase price.
Closing costs + prepaids$12,207Not just lender fees.
Before credits & paid funds$64,432The complete starting cash picture.
Estimated remaining funds due at closing
$64,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,224.99
Your down payment$52,224.99
Closing costs + prepaids$12,207.18
Total buyer cash needed$64,432.17
Remaining funds due$64,432.17
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%)$1,688.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$275.75
Prepaid interest, first (31 days)$1,124.56
Fees + prepaids$12,207.18
Your down payment is the seller’s equity. You take over the $337,775 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $64,432.17 is due at closing. Uses and sources reconcile at $402,207.18 each. Not a Closing Disclosure.