Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$212,681Cash toward the purchase price.
Closing costs + prepaids$13,355Not just lender fees.
Before credits & paid funds$226,036The complete starting cash picture.
Estimated remaining funds due at closing
$226,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,680.81
Your down payment$212,680.81
Closing costs + prepaids$13,354.85
Total buyer cash needed$226,035.66
Remaining funds due$226,035.66
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%)$931.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,119.75
Initial HOA (3 months)$1,722.00
Prepaid interest, first (27 days)$373.51
Fees + prepaids$13,354.85
Your down payment is the seller’s equity. You take over the $186,319 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $226,035.66 is due at closing. Uses and sources reconcile at $412,354.85 each. Not a Closing Disclosure.