Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$75,127Cash toward the purchase price.
Closing costs + prepaids$13,280Not just lender fees.
Before credits & paid funds$88,407The complete starting cash picture.
Estimated remaining funds due at closing
$88,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,127.24
Your down payment$75,127.24
Closing costs + prepaids$13,280.05
Total buyer cash needed$88,407.30
Remaining funds due$88,407.30
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%)$3,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,621.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,004.25
Initial HOA (3 months)$41.25
Prepaid interest, first (30 days)$1,399.69
Fees + prepaids$13,280.05
Your down payment is the seller’s equity. You take over the $324,373 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $88,407.30 is due at closing. Uses and sources reconcile at $412,780.05 each. Not a Closing Disclosure.