Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$4,406Cash toward the purchase price.
Closing costs + prepaids$14,380Not just lender fees.
Before credits & paid funds$18,787The complete starting cash picture.
Estimated remaining funds due at closing
$18,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,406.47
Your down payment$4,406.47
Closing costs + prepaids$14,380.14
Total buyer cash needed$18,786.61
Remaining funds due$18,786.61
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%)$1,972.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$988.50
Initial HOA (3 months)$1,287.00
Prepaid interest, first (24 days)$923.67
Fees + prepaids$14,380.14
Your down payment is the seller’s equity. You take over the $394,594 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $18,786.61 is due at closing. Uses and sources reconcile at $413,380.14 each. Not a Closing Disclosure.