Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$177,041Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$189,845The complete starting cash picture.
Estimated remaining funds due at closing
$189,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,041.23
Your down payment$177,041.23
Closing costs + prepaids$12,803.56
Total buyer cash needed$189,844.79
Remaining funds due$189,844.79
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,109.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$775.00
Initial HOA (3 months)$1,140.00
Prepaid interest, first (26 days)$570.77
Fees + prepaids$12,803.56
Your down payment is the seller’s equity. You take over the $221,959 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $189,844.79 is due at closing. Uses and sources reconcile at $411,803.56 each. Not a Closing Disclosure.