Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$60,387Cash toward the purchase price.
Closing costs + prepaids$12,250Not just lender fees.
Before credits & paid funds$72,637The complete starting cash picture.
Estimated remaining funds due at closing
$72,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,387.15
Your down payment$60,387.15
Closing costs + prepaids$12,249.64
Total buyer cash needed$72,636.79
Remaining funds due$72,636.79
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%)$1,697.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,019.75
Prepaid interest, first (5 days)$315.33
Fees + prepaids$12,249.64
Your down payment is the seller’s equity. You take over the $339,513 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $72,636.79 is due at closing. Uses and sources reconcile at $412,149.64 each. Not a Closing Disclosure.