Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$71,062Cash toward the purchase price.
Closing costs + prepaids$12,048Not just lender fees.
Before credits & paid funds$83,110The complete starting cash picture.
Estimated remaining funds due at closing
$83,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,061.99
Your down payment$71,061.99
Closing costs + prepaids$12,048.33
Total buyer cash needed$83,110.32
Remaining funds due$83,110.32
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%)$1,639.69
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)$252.00
Prepaid interest, first (10 days)$469.89
Fees + prepaids$12,048.33
Your down payment is the seller’s equity. You take over the $327,938 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $83,110.32 is due at closing. Uses and sources reconcile at $411,048.33 each. Not a Closing Disclosure.