Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$3,495Cash toward the purchase price.
Closing costs + prepaids$13,948Not just lender fees.
Before credits & paid funds$17,443The complete starting cash picture.
Estimated remaining funds due at closing
$17,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,495.07
Your down payment$3,495.07
Closing costs + prepaids$13,948.00
Total buyer cash needed$17,443.07
Remaining funds due$17,443.07
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%)$1,977.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$532.25
Initial HOA (3 months)$494.01
Prepaid interest, first (21 days)$1,736.21
Fees + prepaids$13,948.00
Your down payment is the seller’s equity. You take over the $395,505 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $17,443.07 is due at closing. Uses and sources reconcile at $412,948.00 each. Not a Closing Disclosure.