Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$225,245Cash toward the purchase price.
Closing costs + prepaids$11,210Not just lender fees.
Before credits & paid funds$236,455The complete starting cash picture.
Estimated remaining funds due at closing
$236,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,244.89
Your down payment$225,244.89
Closing costs + prepaids$11,209.65
Total buyer cash needed$236,454.54
Remaining funds due$236,454.54
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%)$873.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.75
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$344.62
Fees + prepaids$11,209.65
Your down payment is the seller’s equity. You take over the $174,655 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $236,454.54 is due at closing. Uses and sources reconcile at $411,109.65 each. Not a Closing Disclosure.