Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$27,647Cash toward the purchase price.
Closing costs + prepaids$12,058Not just lender fees.
Before credits & paid funds$39,705The complete starting cash picture.
Estimated remaining funds due at closing
$39,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,646.56
Your down payment$27,646.56
Closing costs + prepaids$12,058.49
Total buyer cash needed$39,705.05
Remaining funds due$39,705.05
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%)$1,861.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$224.75
Prepaid interest, first (19 days)$753.99
Fees + prepaids$12,058.49
Your down payment is the seller’s equity. You take over the $372,352 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $39,705.05 is due at closing. Uses and sources reconcile at $412,057.49 each. Not a Closing Disclosure.