Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$47,165Cash toward the purchase price.
Closing costs + prepaids$12,338Not just lender fees.
Before credits & paid funds$59,503The complete starting cash picture.
Estimated remaining funds due at closing
$59,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,164.98
Your down payment$47,164.98
Closing costs + prepaids$12,337.95
Total buyer cash needed$59,502.93
Remaining funds due$59,502.93
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,764.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Prepaid interest, first (13 days)$855.79
Fees + prepaids$12,337.95
Your down payment is the seller’s equity. You take over the $352,834 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $59,502.93 is due at closing. Uses and sources reconcile at $412,336.95 each. Not a Closing Disclosure.