Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$145,597Cash toward the purchase price.
Closing costs + prepaids$11,955Not just lender fees.
Before credits & paid funds$157,552The complete starting cash picture.
Estimated remaining funds due at closing
$157,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,596.69
Your down payment$145,596.69
Closing costs + prepaids$11,955.03
Total buyer cash needed$157,551.72
Remaining funds due$157,551.72
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,272.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$605.75
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$634.27
Fees + prepaids$11,955.03
Your down payment is the seller’s equity. You take over the $254,403 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $157,551.72 is due at closing. Uses and sources reconcile at $411,955.03 each. Not a Closing Disclosure.