Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$12,358Cash toward the purchase price.
Closing costs + prepaids$16,099Not just lender fees.
Before credits & paid funds$28,457The complete starting cash picture.
Estimated remaining funds due at closing
$28,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,357.93
Your down payment$12,357.93
Closing costs + prepaids$16,098.86
Total buyer cash needed$28,456.79
Remaining funds due$28,456.79
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%)$1,933.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,666.25
Initial HOA (3 months)$1,194.00
Prepaid interest, first (30 days)$2,097.40
Fees + prepaids$16,098.86
Your down payment is the seller’s equity. You take over the $386,642 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $28,456.79 is due at closing. Uses and sources reconcile at $415,098.86 each. Not a Closing Disclosure.