Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$21,673Cash toward the purchase price.
Closing costs + prepaids$13,093Not just lender fees.
Before credits & paid funds$34,766The complete starting cash picture.
Estimated remaining funds due at closing
$34,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,673.11
Your down payment$21,673.11
Closing costs + prepaids$13,092.62
Total buyer cash needed$34,765.73
Remaining funds due$34,765.73
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,891.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.75
Initial HOA (3 months)$294.00
Prepaid interest, first (19 days)$1,205.25
Fees + prepaids$13,092.62
Your down payment is the seller’s equity. You take over the $378,326 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $34,765.73 is due at closing. Uses and sources reconcile at $413,091.62 each. Not a Closing Disclosure.