Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$58,280Cash toward the purchase price.
Closing costs + prepaids$11,785Not just lender fees.
Before credits & paid funds$70,066The complete starting cash picture.
Estimated remaining funds due at closing
$70,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,280.32
Your down payment$58,280.32
Closing costs + prepaids$11,785.28
Total buyer cash needed$70,065.60
Remaining funds due$70,065.60
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%)$1,708.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Prepaid interest, first (6 days)$380.18
Fees + prepaids$11,785.28
Your down payment is the seller’s equity. You take over the $341,620 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $70,065.60 is due at closing. Uses and sources reconcile at $411,685.28 each. Not a Closing Disclosure.