Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$22,881Cash toward the purchase price.
Closing costs + prepaids$15,205Not just lender fees.
Before credits & paid funds$38,086The complete starting cash picture.
Estimated remaining funds due at closing
$38,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,881.39
Your down payment$22,881.39
Closing costs + prepaids$15,204.60
Total buyer cash needed$38,085.99
Remaining funds due$38,085.99
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%)$1,885.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,199.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (28 days)$1,703.50
Fees + prepaids$15,204.60
Your down payment is the seller’s equity. You take over the $377,019 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $38,085.99 is due at closing. Uses and sources reconcile at $415,104.60 each. Not a Closing Disclosure.