Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$40,517Cash toward the purchase price.
Closing costs + prepaids$13,830Not just lender fees.
Before credits & paid funds$54,347The complete starting cash picture.
Estimated remaining funds due at closing
$54,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,516.84
Your down payment$40,516.84
Closing costs + prepaids$13,830.00
Total buyer cash needed$54,346.84
Remaining funds due$54,346.84
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%)$1,792.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$841.25
Initial HOA (3 months)$125.01
Prepaid interest, first (31 days)$1,863.33
Fees + prepaids$13,830.00
Your down payment is the seller’s equity. You take over the $358,483 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $54,346.84 is due at closing. Uses and sources reconcile at $412,830.00 each. Not a Closing Disclosure.