Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,844Cash toward the purchase price.
Closing costs + prepaids$13,193Not just lender fees.
Before credits & paid funds$66,037The complete starting cash picture.
Estimated remaining funds due at closing
$66,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,844.32
Your down payment$52,844.32
Closing costs + prepaids$13,192.55
Total buyer cash needed$66,036.87
Remaining funds due$66,036.87
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,735.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$244.75
Prepaid interest, first (31 days)$1,995.52
Fees + prepaids$13,192.55
Your down payment is the seller’s equity. You take over the $347,056 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $66,036.87 is due at closing. Uses and sources reconcile at $413,092.55 each. Not a Closing Disclosure.