Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$43,040Cash toward the purchase price.
Closing costs + prepaids$12,046Not just lender fees.
Before credits & paid funds$55,085The complete starting cash picture.
Estimated remaining funds due at closing
$55,085No 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$12,045.52
Total buyer cash needed$55,085.50
Remaining funds due$55,085.50
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)$480.00
Initial HOA (3 months)$291.00
Prepaid interest, first (10 days)$271.87
Fees + prepaids$12,045.52
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. $55,085.50 is due at closing. Uses and sources reconcile at $412,035.52 each. Not a Closing Disclosure.