Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,771Cash toward the purchase price.
Closing costs + prepaids$13,047Not just lender fees.
Before credits & paid funds$36,818The complete starting cash picture.
Estimated remaining funds due at closing
$36,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,771.39
Your down payment$23,771.39
Closing costs + prepaids$13,046.66
Total buyer cash needed$36,818.05
Remaining funds due$36,818.05
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%)$1,880.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$596.50
Prepaid interest, first (30 days)$1,352.52
Fees + prepaids$13,046.66
Your down payment is the seller’s equity. You take over the $376,129 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $36,818.05 is due at closing. Uses and sources reconcile at $412,946.66 each. Not a Closing Disclosure.