Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$84,781Cash toward the purchase price.
Closing costs + prepaids$13,664Not just lender fees.
Before credits & paid funds$98,445The complete starting cash picture.
Estimated remaining funds due at closing
$98,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,781.45
Your down payment$84,781.45
Closing costs + prepaids$13,663.68
Total buyer cash needed$98,445.13
Remaining funds due$98,445.13
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%)$1,575.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$999.75
Initial HOA (3 months)$189.99
Prepaid interest, first (25 days)$1,681.35
Fees + prepaids$13,663.68
Your down payment is the seller’s equity. You take over the $315,119 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $98,445.13 is due at closing. Uses and sources reconcile at $413,563.68 each. Not a Closing Disclosure.