Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$59,604Cash toward the purchase price.
Closing costs + prepaids$13,580Not just lender fees.
Before credits & paid funds$73,184The complete starting cash picture.
Estimated remaining funds due at closing
$73,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,604.12
Your down payment$59,604.12
Closing costs + prepaids$13,579.93
Total buyer cash needed$73,184.04
Remaining funds due$73,184.04
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,696.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,246.50
Initial HOA (3 months)$6.24
Prepaid interest, first (23 days)$1,422.21
Fees + prepaids$13,579.93
Your down payment is the seller’s equity. You take over the $339,396 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $73,184.04 is due at closing. Uses and sources reconcile at $412,579.93 each. Not a Closing Disclosure.