Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$70,034Cash toward the purchase price.
Closing costs + prepaids$12,284Not just lender fees.
Before credits & paid funds$82,318The complete starting cash picture.
Estimated remaining funds due at closing
$82,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,033.66
Your down payment$70,033.66
Closing costs + prepaids$12,284.45
Total buyer cash needed$82,318.11
Remaining funds due$82,318.11
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%)$1,649.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$677.75
Initial HOA (3 months)$126.00
Prepaid interest, first (22 days)$614.36
Fees + prepaids$12,284.45
Your down payment is the seller’s equity. You take over the $329,866 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $82,318.11 is due at closing. Uses and sources reconcile at $412,184.45 each. Not a Closing Disclosure.