Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$36,854Cash toward the purchase price.
Closing costs + prepaids$12,546Not just lender fees.
Before credits & paid funds$49,401The complete starting cash picture.
Estimated remaining funds due at closing
$49,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,854.36
Your down payment$36,854.36
Closing costs + prepaids$12,546.37
Total buyer cash needed$49,400.73
Remaining funds due$49,400.73
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%)$1,810.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.75
Prepaid interest, first (17 days)$1,028.89
Fees + prepaids$12,546.37
Your down payment is the seller’s equity. You take over the $362,146 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $49,400.73 is due at closing. Uses and sources reconcile at $411,546.37 each. Not a Closing Disclosure.