Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,478Cash toward the purchase price.
Closing costs + prepaids$13,870Not just lender fees.
Before credits & paid funds$33,348The complete starting cash picture.
Estimated remaining funds due at closing
$33,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,478.10
Your down payment$19,478.10
Closing costs + prepaids$13,869.94
Total buyer cash needed$33,348.04
Remaining funds due$33,348.04
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%)$1,902.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$596.50
Prepaid interest, first (30 days)$2,154.33
Fees + prepaids$13,869.94
Your down payment is the seller’s equity. You take over the $380,422 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $33,348.04 is due at closing. Uses and sources reconcile at $413,769.94 each. Not a Closing Disclosure.