Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$552Cash toward the purchase price.
Closing costs + prepaids$14,639Not just lender fees.
Before credits & paid funds$15,190The complete starting cash picture.
Estimated remaining funds due at closing
$15,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$551.55
Your down payment$551.55
Closing costs + prepaids$14,638.82
Total buyer cash needed$15,190.37
Remaining funds due$15,190.37
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%)$1,996.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$772.75
Initial HOA (3 months)$765.00
Prepaid interest, first (25 days)$1,887.33
Fees + prepaids$14,638.82
Your down payment is the seller’s equity. You take over the $399,348 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $15,190.37 is due at closing. Uses and sources reconcile at $414,538.82 each. Not a Closing Disclosure.