Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$100,070Cash toward the purchase price.
Closing costs + prepaids$11,870Not just lender fees.
Before credits & paid funds$111,941The complete starting cash picture.
Estimated remaining funds due at closing
$111,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,070.37
Your down payment$100,070.37
Closing costs + prepaids$11,870.27
Total buyer cash needed$111,940.64
Remaining funds due$111,940.64
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%)$1,494.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$575.00
Prepaid interest, first (27 days)$592.62
Fees + prepaids$11,870.27
Your down payment is the seller’s equity. You take over the $298,930 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $111,940.64 is due at closing. Uses and sources reconcile at $410,870.27 each. Not a Closing Disclosure.