Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$65,634Cash toward the purchase price.
Closing costs + prepaids$12,333Not just lender fees.
Before credits & paid funds$77,967The complete starting cash picture.
Estimated remaining funds due at closing
$77,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,633.88
Your down payment$65,633.88
Closing costs + prepaids$12,333.16
Total buyer cash needed$77,967.04
Remaining funds due$77,967.04
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%)$1,666.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.75
Initial HOA (3 months)$150.00
Prepaid interest, first (16 days)$809.58
Fees + prepaids$12,333.16
Your down payment is the seller’s equity. You take over the $333,366 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $77,967.04 is due at closing. Uses and sources reconcile at $411,333.16 each. Not a Closing Disclosure.