Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$12,021Cash toward the purchase price.
Closing costs + prepaids$12,252Not just lender fees.
Before credits & paid funds$24,273The complete starting cash picture.
Estimated remaining funds due at closing
$24,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,021.15
Your down payment$12,021.15
Closing costs + prepaids$12,252.26
Total buyer cash needed$24,273.41
Remaining funds due$24,273.41
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,889.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.00
Initial HOA (3 months)$192.00
Prepaid interest, first (9 days)$584.37
Fees + prepaids$12,252.26
Your down payment is the seller’s equity. You take over the $377,979 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $24,273.41 is due at closing. Uses and sources reconcile at $402,252.26 each. Not a Closing Disclosure.