Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,759Cash toward the purchase price.
Closing costs + prepaids$13,705Not just lender fees.
Before credits & paid funds$32,464The complete starting cash picture.
Estimated remaining funds due at closing
$32,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,759.02
Your down payment$18,759.02
Closing costs + prepaids$13,705.18
Total buyer cash needed$32,464.20
Remaining funds due$32,464.20
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%)$1,905.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$652.75
Prepaid interest, first (28 days)$1,929.72
Fees + prepaids$13,705.18
Your down payment is the seller’s equity. You take over the $381,141 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $32,464.20 is due at closing. Uses and sources reconcile at $413,605.18 each. Not a Closing Disclosure.