Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$30,918Cash toward the purchase price.
Closing costs + prepaids$13,852Not just lender fees.
Before credits & paid funds$44,770The complete starting cash picture.
Estimated remaining funds due at closing
$44,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,917.60
Your down payment$30,917.60
Closing costs + prepaids$13,851.91
Total buyer cash needed$44,769.51
Remaining funds due$44,769.51
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%)$1,840.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$859.25
Initial HOA (3 months)$123.00
Prepaid interest, first (30 days)$1,821.25
Fees + prepaids$13,851.91
Your down payment is the seller’s equity. You take over the $368,082 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $44,769.51 is due at closing. Uses and sources reconcile at $412,851.91 each. Not a Closing Disclosure.