Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$43,091Cash toward the purchase price.
Closing costs + prepaids$12,508Not just lender fees.
Before credits & paid funds$55,598The complete starting cash picture.
Estimated remaining funds due at closing
$55,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,090.84
Your down payment$43,090.84
Closing costs + prepaids$12,507.65
Total buyer cash needed$55,598.49
Remaining funds due$55,598.49
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%)$3,960.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,764.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.00
Initial HOA (3 months)$21.24
Prepaid interest, first (16 days)$1,048.87
Fees + prepaids$12,507.65
Your down payment is the seller’s equity. You take over the $352,909 balance, so the rest of the $396,000 price is paid at closing. A second mortgage can cover part of it. $55,598.49 is due at closing. Uses and sources reconcile at $408,507.65 each. Not a Closing Disclosure.