Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,147Cash toward the purchase price.
Closing costs + prepaids$13,342Not just lender fees.
Before credits & paid funds$31,488The complete starting cash picture.
Estimated remaining funds due at closing
$31,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,146.74
Your down payment$18,146.74
Closing costs + prepaids$13,341.58
Total buyer cash needed$31,488.32
Remaining funds due$31,488.32
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%)$1,908.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$821.00
Initial HOA (3 months)$237.00
Prepaid interest, first (30 days)$1,157.81
Fees + prepaids$13,341.58
Your down payment is the seller’s equity. You take over the $381,753 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $31,488.32 is due at closing. Uses and sources reconcile at $413,241.58 each. Not a Closing Disclosure.