Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,145Cash toward the purchase price.
Closing costs + prepaids$11,829Not just lender fees.
Before credits & paid funds$155,974The complete starting cash picture.
Estimated remaining funds due at closing
$155,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,145.19
Your down payment$144,145.19
Closing costs + prepaids$11,828.69
Total buyer cash needed$155,973.88
Remaining funds due$155,973.88
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%)$1,274.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$579.00
Initial HOA (3 months)$270.00
Prepaid interest, first (26 days)$497.42
Fees + prepaids$11,828.69
Your down payment is the seller’s equity. You take over the $254,855 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $155,973.88 is due at closing. Uses and sources reconcile at $410,828.69 each. Not a Closing Disclosure.