Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$5,873Cash toward the purchase price.
Closing costs + prepaids$12,613Not just lender fees.
Before credits & paid funds$18,486The complete starting cash picture.
Estimated remaining funds due at closing
$18,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,873.38
Your down payment$5,873.38
Closing costs + prepaids$12,612.79
Total buyer cash needed$18,486.17
Remaining funds due$18,486.17
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,965.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Initial HOA (3 months)$186.00
Prepaid interest, first (10 days)$774.41
Fees + prepaids$12,612.79
Your down payment is the seller’s equity. You take over the $393,127 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $18,486.17 is due at closing. Uses and sources reconcile at $411,612.79 each. Not a Closing Disclosure.