Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,136Cash toward the purchase price.
Closing costs + prepaids$13,665Not just lender fees.
Before credits & paid funds$33,801The complete starting cash picture.
Estimated remaining funds due at closing
$33,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,136.25
Your down payment$20,136.25
Closing costs + prepaids$13,664.52
Total buyer cash needed$33,800.77
Remaining funds due$33,800.77
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,899.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$303.50
Initial HOA (3 months)$237.00
Prepaid interest, first (31 days)$2,006.72
Fees + prepaids$13,664.52
Your down payment is the seller’s equity. You take over the $379,863 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $33,800.77 is due at closing. Uses and sources reconcile at $413,663.52 each. Not a Closing Disclosure.