Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$143,137Cash toward the purchase price.
Closing costs + prepaids$11,988Not just lender fees.
Before credits & paid funds$155,125The complete starting cash picture.
Estimated remaining funds due at closing
$155,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,136.89
Your down payment$143,136.89
Closing costs + prepaids$11,988.35
Total buyer cash needed$155,125.24
Remaining funds due$155,125.24
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%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,274.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$995.00
Prepaid interest, first (26 days)$521.04
Fees + prepaids$11,988.35
Your down payment is the seller’s equity. You take over the $254,863 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $155,125.24 is due at closing. Uses and sources reconcile at $409,988.35 each. Not a Closing Disclosure.