Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$81,602Cash toward the purchase price.
Closing costs + prepaids$12,231Not just lender fees.
Before credits & paid funds$93,833The complete starting cash picture.
Estimated remaining funds due at closing
$93,833No 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$12,230.60
Total buyer cash needed$93,832.73
Remaining funds due$93,832.73
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%)$3,999.00
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)$436.25
Initial HOA (3 months)$501.00
Prepaid interest, first (20 days)$484.86
Fees + prepaids$12,230.60
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. $93,832.73 is due at closing. Uses and sources reconcile at $412,130.60 each. Not a Closing Disclosure.