Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$31,014Cash toward the purchase price.
Closing costs + prepaids$12,509Not just lender fees.
Before credits & paid funds$43,523The complete starting cash picture.
Estimated remaining funds due at closing
$43,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,014.23
Your down payment$31,014.23
Closing costs + prepaids$12,508.55
Total buyer cash needed$43,522.78
Remaining funds due$43,522.78
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%)$1,839.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Initial HOA (3 months)$172.50
Prepaid interest, first (12 days)$809.37
Fees + prepaids$12,508.55
Your down payment is the seller’s equity. You take over the $367,986 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $43,522.78 is due at closing. Uses and sources reconcile at $411,508.55 each. Not a Closing Disclosure.