Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,346Cash toward the purchase price.
Closing costs + prepaids$12,805Not just lender fees.
Before credits & paid funds$70,151The complete starting cash picture.
Estimated remaining funds due at closing
$70,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,346.03
Your down payment$57,346.03
Closing costs + prepaids$12,805.09
Total buyer cash needed$70,151.12
Remaining funds due$70,151.12
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%)$1,662.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Initial HOA (3 months)$600.00
Prepaid interest, first (26 days)$987.82
Fees + prepaids$12,805.09
Your down payment is the seller’s equity. You take over the $332,554 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $70,151.12 is due at closing. Uses and sources reconcile at $402,705.09 each. Not a Closing Disclosure.