Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,236Cash toward the purchase price.
Closing costs + prepaids$13,756Not just lender fees.
Before credits & paid funds$30,992The complete starting cash picture.
Estimated remaining funds due at closing
$30,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,236.32
Your down payment$17,236.32
Closing costs + prepaids$13,756.08
Total buyer cash needed$30,992.40
Remaining funds due$30,992.40
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%)$1,913.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.75
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$2,093.01
Fees + prepaids$13,756.08
Your down payment is the seller’s equity. You take over the $382,664 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $30,992.40 is due at closing. Uses and sources reconcile at $413,656.08 each. Not a Closing Disclosure.