Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,044Cash toward the purchase price.
Closing costs + prepaids$14,082Not just lender fees.
Before credits & paid funds$32,126The complete starting cash picture.
Estimated remaining funds due at closing
$32,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,043.99
Your down payment$18,043.99
Closing costs + prepaids$14,081.86
Total buyer cash needed$32,125.85
Remaining funds due$32,125.85
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%)$1,909.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$338.50
Initial HOA (3 months)$282.00
Prepaid interest, first (30 days)$2,335.08
Fees + prepaids$14,081.86
Your down payment is the seller’s equity. You take over the $381,856 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $32,125.85 is due at closing. Uses and sources reconcile at $413,981.86 each. Not a Closing Disclosure.