Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$86,424Cash toward the purchase price.
Closing costs + prepaids$13,751Not just lender fees.
Before credits & paid funds$100,175The complete starting cash picture.
Estimated remaining funds due at closing
$100,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,424.42
Your down payment$86,424.42
Closing costs + prepaids$13,750.71
Total buyer cash needed$100,175.13
Remaining funds due$100,175.13
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%)$1,562.88
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)$1,866.00
Prepaid interest, first (12 days)$635.09
Fees + prepaids$13,750.71
Your down payment is the seller’s equity. You take over the $312,576 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $100,175.13 is due at closing. Uses and sources reconcile at $412,750.71 each. Not a Closing Disclosure.