Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$36,854Cash toward the purchase price.
Closing costs + prepaids$13,011Not just lender fees.
Before credits & paid funds$49,866The complete starting cash picture.
Estimated remaining funds due at closing
$49,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,854.36
Your down payment$36,854.36
Closing costs + prepaids$13,011.14
Total buyer cash needed$49,865.50
Remaining funds due$49,865.50
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$237.25
Prepaid interest, first (29 days)$1,755.17
Fees + prepaids$13,011.14
Your down payment is the seller’s equity. You take over the $362,146 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $49,865.50 is due at closing. Uses and sources reconcile at $412,011.14 each. Not a Closing Disclosure.