Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$83,546Cash toward the purchase price.
Closing costs + prepaids$13,453Not just lender fees.
Before credits & paid funds$96,999The complete starting cash picture.
Estimated remaining funds due at closing
$96,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,545.55
Your down payment$83,545.55
Closing costs + prepaids$13,453.42
Total buyer cash needed$96,998.97
Remaining funds due$96,998.97
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%)$3,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,582.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$751.75
Initial HOA (3 months)$1,140.00
Prepaid interest, first (28 days)$762.14
Fees + prepaids$13,453.42
Your down payment is the seller’s equity. You take over the $316,404 balance, so the rest of the $399,950 price is paid at closing. A second mortgage can cover part of it. $96,998.97 is due at closing. Uses and sources reconcile at $413,403.42 each. Not a Closing Disclosure.