Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,474Cash toward the purchase price.
Closing costs + prepaids$13,625Not just lender fees.
Before credits & paid funds$39,099The complete starting cash picture.
Estimated remaining funds due at closing
$39,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,474.44
Your down payment$25,474.44
Closing costs + prepaids$13,624.74
Total buyer cash needed$39,099.18
Remaining funds due$39,099.18
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%)$1,867.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$417.25
Prepaid interest, first (31 days)$2,131.86
Fees + prepaids$13,624.74
Your down payment is the seller’s equity. You take over the $373,526 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $39,099.18 is due at closing. Uses and sources reconcile at $412,624.74 each. Not a Closing Disclosure.