Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$148,964Cash toward the purchase price.
Closing costs + prepaids$12,070Not just lender fees.
Before credits & paid funds$161,034The complete starting cash picture.
Estimated remaining funds due at closing
$161,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,963.70
Your down payment$148,963.70
Closing costs + prepaids$12,070.15
Total buyer cash needed$161,033.85
Remaining funds due$161,033.85
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,255.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.00
Prepaid interest, first (28 days)$596.98
Fees + prepaids$12,070.15
Your down payment is the seller’s equity. You take over the $251,035 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $161,033.85 is due at closing. Uses and sources reconcile at $412,069.15 each. Not a Closing Disclosure.