Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$171,484Cash toward the purchase price.
Closing costs + prepaids$12,215Not just lender fees.
Before credits & paid funds$183,699The complete starting cash picture.
Estimated remaining funds due at closing
$183,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,484.26
Your down payment$171,484.26
Closing costs + prepaids$12,214.52
Total buyer cash needed$183,698.78
Remaining funds due$183,698.78
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%)$1,142.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,404.75
Prepaid interest, first (25 days)$449.20
Fees + prepaids$12,214.52
Your down payment is the seller’s equity. You take over the $228,515 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $183,698.78 is due at closing. Uses and sources reconcile at $412,213.52 each. Not a Closing Disclosure.