Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$82,952Cash toward the purchase price.
Closing costs + prepaids$11,221Not just lender fees.
Before credits & paid funds$94,174The complete starting cash picture.
Estimated remaining funds due at closing
$94,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,952.46
Your down payment$82,952.46
Closing costs + prepaids$11,221.11
Total buyer cash needed$94,173.58
Remaining funds due$94,173.58
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%)$1,580.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.25
Prepaid interest, first (2 days)$47.62
Fees + prepaids$11,221.11
Your down payment is the seller’s equity. You take over the $316,048 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $94,173.58 is due at closing. Uses and sources reconcile at $410,221.11 each. Not a Closing Disclosure.