Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$81,602Cash toward the purchase price.
Closing costs + prepaids$12,497Not just lender fees.
Before credits & paid funds$94,099The complete starting cash picture.
Estimated remaining funds due at closing
$94,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,602.13
Your down payment$81,602.13
Closing costs + prepaids$12,497.27
Total buyer cash needed$94,099.40
Remaining funds due$94,099.40
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%)$1,591.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.25
Initial HOA (3 months)$501.00
Prepaid interest, first (31 days)$751.53
Fees + prepaids$12,497.27
Your down payment is the seller’s equity. You take over the $318,298 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $94,099.40 is due at closing. Uses and sources reconcile at $412,397.27 each. Not a Closing Disclosure.