Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$67,939Cash toward the purchase price.
Closing costs + prepaids$15,788Not just lender fees.
Before credits & paid funds$83,726The complete starting cash picture.
Estimated remaining funds due at closing
$83,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,938.78
Your down payment$67,938.78
Closing costs + prepaids$15,787.59
Total buyer cash needed$83,726.37
Remaining funds due$83,726.37
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%)$1,659.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$3,142.75
Prepaid interest, first (30 days)$1,768.03
Fees + prepaids$15,787.59
Your down payment is the seller’s equity. You take over the $331,961 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $83,726.37 is due at closing. Uses and sources reconcile at $415,687.59 each. Not a Closing Disclosure.