Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,004Cash toward the purchase price.
Closing costs + prepaids$13,452Not just lender fees.
Before credits & paid funds$35,457The complete starting cash picture.
Estimated remaining funds due at closing
$35,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,004.41
Your down payment$22,004.41
Closing costs + prepaids$13,452.12
Total buyer cash needed$35,456.54
Remaining funds due$35,456.54
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%)$1,884.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.00
Prepaid interest, first (31 days)$1,953.15
Fees + prepaids$13,452.12
Your down payment is the seller’s equity. You take over the $376,996 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $35,456.54 is due at closing. Uses and sources reconcile at $412,452.12 each. Not a Closing Disclosure.