Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$78,809Cash toward the purchase price.
Closing costs + prepaids$12,148Not just lender fees.
Before credits & paid funds$90,957The complete starting cash picture.
Estimated remaining funds due at closing
$90,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,809.34
Your down payment$78,809.34
Closing costs + prepaids$12,148.11
Total buyer cash needed$90,957.45
Remaining funds due$90,957.45
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%)$1,605.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$351.50
Initial HOA (3 months)$380.01
Prepaid interest, first (22 days)$594.15
Fees + prepaids$12,148.11
Your down payment is the seller’s equity. You take over the $321,091 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $90,957.45 is due at closing. Uses and sources reconcile at $412,048.11 each. Not a Closing Disclosure.