Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,382Cash toward the purchase price.
Closing costs + prepaids$13,993Not just lender fees.
Before credits & paid funds$43,375The complete starting cash picture.
Estimated remaining funds due at closing
$43,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,381.84
Your down payment$29,381.84
Closing costs + prepaids$13,993.20
Total buyer cash needed$43,375.05
Remaining funds due$43,375.05
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,852.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$721.50
Initial HOA (3 months)$207.00
Prepaid interest, first (31 days)$1,995.11
Fees + prepaids$13,993.20
Your down payment is the seller’s equity. You take over the $370,518 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $43,375.05 is due at closing. Uses and sources reconcile at $413,893.20 each. Not a Closing Disclosure.