Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,367Cash toward the purchase price.
Closing costs + prepaids$13,035Not just lender fees.
Before credits & paid funds$51,402The complete starting cash picture.
Estimated remaining funds due at closing
$51,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,366.52
Your down payment$38,366.52
Closing costs + prepaids$13,035.31
Total buyer cash needed$51,401.83
Remaining funds due$51,401.83
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%)$3,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,805.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$612.00
Initial HOA (3 months)$363.00
Prepaid interest, first (28 days)$1,041.65
Fees + prepaids$13,035.31
Your down payment is the seller’s equity. You take over the $361,133 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $51,401.83 is due at closing. Uses and sources reconcile at $412,535.31 each. Not a Closing Disclosure.