Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,823Cash toward the purchase price.
Closing costs + prepaids$12,276Not just lender fees.
Before credits & paid funds$79,099The complete starting cash picture.
Estimated remaining funds due at closing
$79,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,822.71
Your down payment$66,822.71
Closing costs + prepaids$12,276.46
Total buyer cash needed$79,099.17
Remaining funds due$79,099.17
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,665.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$423.25
Initial HOA (3 months)$177.00
Prepaid interest, first (31 days)$792.32
Fees + prepaids$12,276.46
Your down payment is the seller’s equity. You take over the $333,177 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $79,099.17 is due at closing. Uses and sources reconcile at $412,276.46 each. Not a Closing Disclosure.