Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$45,818Cash toward the purchase price.
Closing costs + prepaids$11,913Not just lender fees.
Before credits & paid funds$57,730The complete starting cash picture.
Estimated remaining funds due at closing
$57,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,817.58
Your down payment$45,817.58
Closing costs + prepaids$11,912.58
Total buyer cash needed$57,730.16
Remaining funds due$57,730.16
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%)$1,765.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$47.49
Prepaid interest, first (30 days)$891.18
Fees + prepaids$11,912.58
Your down payment is the seller’s equity. You take over the $353,182 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $57,730.16 is due at closing. Uses and sources reconcile at $410,912.58 each. Not a Closing Disclosure.