Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,403Cash toward the purchase price.
Closing costs + prepaids$11,878Not just lender fees.
Before credits & paid funds$87,281The complete starting cash picture.
Estimated remaining funds due at closing
$87,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,402.79
Your down payment$75,402.79
Closing costs + prepaids$11,878.04
Total buyer cash needed$87,280.83
Remaining funds due$87,280.83
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%)$1,622.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.75
Prepaid interest, first (27 days)$648.31
Fees + prepaids$11,878.04
Your down payment is the seller’s equity. You take over the $324,597 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $87,280.83 is due at closing. Uses and sources reconcile at $411,878.04 each. Not a Closing Disclosure.