Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,926Cash toward the purchase price.
Closing costs + prepaids$12,661Not just lender fees.
Before credits & paid funds$51,586The complete starting cash picture.
Estimated remaining funds due at closing
$51,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,925.55
Your down payment$38,925.55
Closing costs + prepaids$12,660.62
Total buyer cash needed$51,586.17
Remaining funds due$51,586.17
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%)$1,804.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.25
Initial HOA (3 months)$138.00
Prepaid interest, first (25 days)$986.50
Fees + prepaids$12,660.62
Your down payment is the seller’s equity. You take over the $360,974 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $51,586.17 is due at closing. Uses and sources reconcile at $412,560.62 each. Not a Closing Disclosure.