Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$49,527Cash toward the purchase price.
Closing costs + prepaids$11,971Not just lender fees.
Before credits & paid funds$61,498The complete starting cash picture.
Estimated remaining funds due at closing
$61,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,527.33
Your down payment$49,527.33
Closing costs + prepaids$11,970.82
Total buyer cash needed$61,498.15
Remaining funds due$61,498.15
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%)$1,751.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$233.25
Prepaid interest, first (26 days)$768.71
Fees + prepaids$11,970.82
Your down payment is the seller’s equity. You take over the $350,373 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $61,498.15 is due at closing. Uses and sources reconcile at $411,870.82 each. Not a Closing Disclosure.