Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$71,280Cash toward the purchase price.
Closing costs + prepaids$12,670Not just lender fees.
Before credits & paid funds$83,950The complete starting cash picture.
Estimated remaining funds due at closing
$83,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,279.88
Your down payment$71,279.88
Closing costs + prepaids$12,669.93
Total buyer cash needed$83,949.81
Remaining funds due$83,949.81
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%)$1,643.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.75
Prepaid interest, first (26 days)$1,477.08
Fees + prepaids$12,669.93
Your down payment is the seller’s equity. You take over the $328,620 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $83,949.81 is due at closing. Uses and sources reconcile at $412,569.93 each. Not a Closing Disclosure.