Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$3,362Cash toward the purchase price.
Closing costs + prepaids$13,869Not just lender fees.
Before credits & paid funds$17,232The complete starting cash picture.
Estimated remaining funds due at closing
$17,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,362.41
Your down payment$3,362.41
Closing costs + prepaids$13,869.23
Total buyer cash needed$17,231.64
Remaining funds due$17,231.64
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%)$1,978.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$529.75
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$2,018.29
Fees + prepaids$13,869.23
Your down payment is the seller’s equity. You take over the $395,638 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $17,231.64 is due at closing. Uses and sources reconcile at $412,869.23 each. Not a Closing Disclosure.