Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$34,952Cash toward the purchase price.
Closing costs + prepaids$13,101Not just lender fees.
Before credits & paid funds$48,053The complete starting cash picture.
Estimated remaining funds due at closing
$48,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,952.35
Your down payment$34,952.35
Closing costs + prepaids$13,100.87
Total buyer cash needed$48,053.22
Remaining funds due$48,053.22
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%)$1,824.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Initial HOA (3 months)$405.00
Prepaid interest, first (17 days)$1,154.13
Fees + prepaids$13,100.87
Your down payment is the seller’s equity. You take over the $364,948 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $48,053.22 is due at closing. Uses and sources reconcile at $413,000.87 each. Not a Closing Disclosure.