Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$31,006Cash toward the purchase price.
Closing costs + prepaids$12,619Not just lender fees.
Before credits & paid funds$43,625The complete starting cash picture.
Estimated remaining funds due at closing
$43,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,005.93
Your down payment$31,005.93
Closing costs + prepaids$12,619.29
Total buyer cash needed$43,625.22
Remaining funds due$43,625.22
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%)$1,844.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.25
Initial HOA (3 months)$246.00
Prepaid interest, first (30 days)$906.57
Fees + prepaids$12,619.29
Your down payment is the seller’s equity. You take over the $368,894 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $43,625.22 is due at closing. Uses and sources reconcile at $412,519.29 each. Not a Closing Disclosure.