Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$18,437Cash toward the purchase price.
Closing costs + prepaids$13,481Not just lender fees.
Before credits & paid funds$31,918The complete starting cash picture.
Estimated remaining funds due at closing
$31,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,436.91
Your down payment$18,436.91
Closing costs + prepaids$13,481.38
Total buyer cash needed$31,918.29
Remaining funds due$31,918.29
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%)$1,907.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.50
Initial HOA (3 months)$156.00
Prepaid interest, first (21 days)$1,426.57
Fees + prepaids$13,481.38
Your down payment is the seller’s equity. You take over the $381,463 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $31,918.29 is due at closing. Uses and sources reconcile at $413,381.38 each. Not a Closing Disclosure.