Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$5,957Cash toward the purchase price.
Closing costs + prepaids$13,526Not just lender fees.
Before credits & paid funds$19,483The complete starting cash picture.
Estimated remaining funds due at closing
$19,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,956.52
Your down payment$5,956.52
Closing costs + prepaids$13,526.47
Total buyer cash needed$19,482.99
Remaining funds due$19,482.99
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%)$1,969.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$502.25
Prepaid interest, first (25 days)$1,837.50
Fees + prepaids$13,526.47
Your down payment is the seller’s equity. You take over the $393,943 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $19,482.99 is due at closing. Uses and sources reconcile at $413,426.47 each. Not a Closing Disclosure.