Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$37,821Cash toward the purchase price.
Closing costs + prepaids$12,279Not just lender fees.
Before credits & paid funds$50,100The complete starting cash picture.
Estimated remaining funds due at closing
$50,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,820.97
Your down payment$37,820.97
Closing costs + prepaids$12,278.58
Total buyer cash needed$50,099.55
Remaining funds due$50,099.55
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,805.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.00
Prepaid interest, first (25 days)$880.68
Fees + prepaids$12,278.58
Your down payment is the seller’s equity. You take over the $361,179 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $50,099.55 is due at closing. Uses and sources reconcile at $411,278.58 each. Not a Closing Disclosure.