Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$19,478Cash toward the purchase price.
Closing costs + prepaids$13,295Not just lender fees.
Before credits & paid funds$32,774The complete starting cash picture.
Estimated remaining funds due at closing
$32,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,478.10
Your down payment$19,478.10
Closing costs + prepaids$13,295.45
Total buyer cash needed$32,773.55
Remaining funds due$32,773.55
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%)$1,902.11
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 (22 days)$1,579.85
Fees + prepaids$13,295.45
Your down payment is the seller’s equity. You take over the $380,422 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $32,773.55 is due at closing. Uses and sources reconcile at $413,195.45 each. Not a Closing Disclosure.