Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,040Cash toward the purchase price.
Closing costs + prepaids$12,527Not just lender fees.
Before credits & paid funds$55,567The complete starting cash picture.
Estimated remaining funds due at closing
$55,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,039.98
Your down payment$43,039.98
Closing costs + prepaids$12,526.94
Total buyer cash needed$55,566.92
Remaining funds due$55,566.92
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%)$3,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,784.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.50
Initial HOA (3 months)$291.00
Prepaid interest, first (31 days)$842.79
Fees + prepaids$12,526.94
Your down payment is the seller’s equity. You take over the $356,950 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $55,566.92 is due at closing. Uses and sources reconcile at $412,516.94 each. Not a Closing Disclosure.