Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,991Cash toward the purchase price.
Closing costs + prepaids$12,465Not just lender fees.
Before credits & paid funds$83,456The complete starting cash picture.
Estimated remaining funds due at closing
$83,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,991.00
Your down payment$70,991.00
Closing costs + prepaids$12,464.97
Total buyer cash needed$83,455.97
Remaining funds due$83,455.97
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%)$1,640.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$840.75
Initial HOA (3 months)$24.00
Prepaid interest, first (27 days)$752.17
Fees + prepaids$12,464.97
Your down payment is the seller’s equity. You take over the $328,009 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $83,455.97 is due at closing. Uses and sources reconcile at $411,464.97 each. Not a Closing Disclosure.