Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$31,006Cash toward the purchase price.
Closing costs + prepaids$12,090Not just lender fees.
Before credits & paid funds$43,096The complete starting cash picture.
Estimated remaining funds due at closing
$43,096No 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$12,089.66
Total buyer cash needed$43,095.59
Remaining funds due$43,095.59
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)$480.00
Initial HOA (3 months)$246.00
Prepaid interest, first (10 days)$302.19
Fees + prepaids$12,089.66
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. $43,095.59 is due at closing. Uses and sources reconcile at $411,989.66 each. Not a Closing Disclosure.