Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$52,320Cash toward the purchase price.
Closing costs + prepaids$12,161Not just lender fees.
Before credits & paid funds$64,480The complete starting cash picture.
Estimated remaining funds due at closing
$64,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,319.68
Your down payment$52,319.68
Closing costs + prepaids$12,160.80
Total buyer cash needed$64,480.47
Remaining funds due$64,480.47
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%)$1,687.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$215.25
Initial HOA (3 months)$240.00
Prepaid interest, first (18 days)$900.65
Fees + prepaids$12,160.80
Your down payment is the seller’s equity. You take over the $337,580 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $64,480.47 is due at closing. Uses and sources reconcile at $402,060.80 each. Not a Closing Disclosure.