Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,283Cash toward the purchase price.
Closing costs + prepaids$11,733Not just lender fees.
Before credits & paid funds$40,016The complete starting cash picture.
Estimated remaining funds due at closing
$40,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,283.18
Your down payment$28,283.18
Closing costs + prepaids$11,733.14
Total buyer cash needed$40,016.32
Remaining funds due$40,016.32
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%)$1,808.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$479.25
Initial HOA (3 months)$200.01
Prepaid interest, first (2 days)$128.80
Fees + prepaids$11,733.14
Your down payment is the seller’s equity. You take over the $361,617 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $40,016.32 is due at closing. Uses and sources reconcile at $401,633.14 each. Not a Closing Disclosure.