Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$3,270Cash toward the purchase price.
Closing costs + prepaids$14,143Not just lender fees.
Before credits & paid funds$17,413The complete starting cash picture.
Estimated remaining funds due at closing
$17,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,269.96
Your down payment$3,269.96
Closing costs + prepaids$14,142.78
Total buyer cash needed$17,412.74
Remaining funds due$17,412.74
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%)$1,983.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$611.25
Initial HOA (3 months)$546.00
Prepaid interest, first (31 days)$1,785.38
Fees + prepaids$14,142.78
Your down payment is the seller’s equity. You take over the $396,630 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $17,412.74 is due at closing. Uses and sources reconcile at $414,042.78 each. Not a Closing Disclosure.