Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$137,367Cash toward the purchase price.
Closing costs + prepaids$12,057Not just lender fees.
Before credits & paid funds$149,425The complete starting cash picture.
Estimated remaining funds due at closing
$149,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,367.15
Your down payment$137,367.15
Closing costs + prepaids$12,057.42
Total buyer cash needed$149,424.57
Remaining funds due$149,424.57
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,313.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$680.75
Initial HOA (3 months)$324.00
Prepaid interest, first (24 days)$521.52
Fees + prepaids$12,057.42
Your down payment is the seller’s equity. You take over the $262,632 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $149,424.57 is due at closing. Uses and sources reconcile at $412,056.42 each. Not a Closing Disclosure.