Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$34,324Cash toward the purchase price.
Closing costs + prepaids$12,898Not just lender fees.
Before credits & paid funds$47,223The complete starting cash picture.
Estimated remaining funds due at closing
$47,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,324.49
Your down payment$34,324.49
Closing costs + prepaids$12,898.07
Total buyer cash needed$47,222.55
Remaining funds due$47,222.55
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%)$1,827.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$268.00
Initial HOA (3 months)$195.00
Prepaid interest, first (20 days)$1,390.19
Fees + prepaids$12,898.07
Your down payment is the seller’s equity. You take over the $365,576 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $47,222.55 is due at closing. Uses and sources reconcile at $412,798.07 each. Not a Closing Disclosure.