Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$81,602Cash toward the purchase price.
Closing costs + prepaids$12,008Not just lender fees.
Before credits & paid funds$93,610The complete starting cash picture.
Estimated remaining funds due at closing
$93,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,602.13
Your down payment$81,602.13
Closing costs + prepaids$12,007.68
Total buyer cash needed$93,609.80
Remaining funds due$93,609.80
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%)$1,591.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$501.00
Prepaid interest, first (9 days)$218.19
Fees + prepaids$12,007.68
Your down payment is the seller’s equity. You take over the $318,298 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $93,609.80 is due at closing. Uses and sources reconcile at $411,907.68 each. Not a Closing Disclosure.