Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$144,840Cash toward the purchase price.
Closing costs + prepaids$12,517Not just lender fees.
Before credits & paid funds$157,357The complete starting cash picture.
Estimated remaining funds due at closing
$157,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,839.84
Your down payment$144,839.84
Closing costs + prepaids$12,517.01
Total buyer cash needed$157,356.85
Remaining funds due$157,356.85
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%)$1,275.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,422.00
Prepaid interest, first (25 days)$602.71
Fees + prepaids$12,517.01
Your down payment is the seller’s equity. You take over the $255,060 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $157,356.85 is due at closing. Uses and sources reconcile at $412,417.01 each. Not a Closing Disclosure.