Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,485Cash toward the purchase price.
Closing costs + prepaids$14,017Not just lender fees.
Before credits & paid funds$56,502The complete starting cash picture.
Estimated remaining funds due at closing
$56,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,484.78
Your down payment$42,484.78
Closing costs + prepaids$14,017.02
Total buyer cash needed$56,501.80
Remaining funds due$56,501.80
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,782.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$604.25
Initial HOA (3 months)$342.00
Prepaid interest, first (31 days)$2,080.19
Fees + prepaids$14,017.02
Your down payment is the seller’s equity. You take over the $356,515 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $56,501.80 is due at closing. Uses and sources reconcile at $413,017.02 each. Not a Closing Disclosure.