Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$16,407Cash toward the purchase price.
Closing costs + prepaids$12,713Not just lender fees.
Before credits & paid funds$29,120The complete starting cash picture.
Estimated remaining funds due at closing
$29,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,406.71
Your down payment$16,406.71
Closing costs + prepaids$12,713.37
Total buyer cash needed$29,120.07
Remaining funds due$29,120.07
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%)$3,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,912.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$337.25
Initial HOA (3 months)$60.00
Prepaid interest, first (26 days)$1,196.65
Fees + prepaids$12,713.37
Your down payment is the seller’s equity. You take over the $382,493 balance, so the rest of the $398,900 price is paid at closing. A second mortgage can cover part of it. $29,120.07 is due at closing. Uses and sources reconcile at $411,613.37 each. Not a Closing Disclosure.