Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$151,054Cash toward the purchase price.
Closing costs + prepaids$11,645Not just lender fees.
Before credits & paid funds$162,699The complete starting cash picture.
Estimated remaining funds due at closing
$162,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,053.71
Your down payment$151,053.71
Closing costs + prepaids$11,645.37
Total buyer cash needed$162,699.08
Remaining funds due$162,699.08
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%)$1,244.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$649.25
Initial HOA (3 months)$7.26
Prepaid interest, first (29 days)$526.13
Fees + prepaids$11,645.37
Your down payment is the seller’s equity. You take over the $248,946 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $162,699.08 is due at closing. Uses and sources reconcile at $411,645.37 each. Not a Closing Disclosure.