Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$76,732Cash toward the purchase price.
Closing costs + prepaids$12,389Not just lender fees.
Before credits & paid funds$89,121The complete starting cash picture.
Estimated remaining funds due at closing
$89,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,732.00
Your down payment$76,732.00
Closing costs + prepaids$12,388.58
Total buyer cash needed$89,120.58
Remaining funds due$89,120.58
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%)$1,615.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$145.75
Prepaid interest, first (25 days)$1,409.99
Fees + prepaids$12,388.58
Your down payment is the seller’s equity. You take over the $323,168 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $89,120.58 is due at closing. Uses and sources reconcile at $412,288.58 each. Not a Closing Disclosure.