Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$3,343Cash toward the purchase price.
Closing costs + prepaids$12,602Not just lender fees.
Before credits & paid funds$15,945The complete starting cash picture.
Estimated remaining funds due at closing
$15,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,342.96
Your down payment$3,342.96
Closing costs + prepaids$12,601.57
Total buyer cash needed$15,944.53
Remaining funds due$15,944.53
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%)$3,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,983.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,082.00
Initial HOA (3 months)$171.00
Prepaid interest, first (2 days)$147.36
Fees + prepaids$12,601.57
Your down payment is the seller’s equity. You take over the $396,652 balance, so the rest of the $399,995 price is paid at closing. A second mortgage can cover part of it. $15,944.53 is due at closing. Uses and sources reconcile at $412,596.57 each. Not a Closing Disclosure.