Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$29,237Cash toward the purchase price.
Closing costs + prepaids$12,302Not just lender fees.
Before credits & paid funds$41,540The complete starting cash picture.
Estimated remaining funds due at closing
$41,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,237.26
Your down payment$29,237.26
Closing costs + prepaids$12,302.34
Total buyer cash needed$41,539.60
Remaining funds due$41,539.60
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%)$1,853.31
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)$168.00
Prepaid interest, first (9 days)$584.02
Fees + prepaids$12,302.34
Your down payment is the seller’s equity. You take over the $370,663 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $41,539.60 is due at closing. Uses and sources reconcile at $412,202.34 each. Not a Closing Disclosure.