Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$174,505Cash toward the purchase price.
Closing costs + prepaids$11,555Not just lender fees.
Before credits & paid funds$186,060The complete starting cash picture.
Estimated remaining funds due at closing
$186,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,505.23
Your down payment$174,505.23
Closing costs + prepaids$11,554.53
Total buyer cash needed$186,059.76
Remaining funds due$186,059.76
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%)$1,122.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$732.50
Prepaid interest, first (27 days)$491.55
Fees + prepaids$11,554.53
Your down payment is the seller’s equity. You take over the $224,495 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $186,059.76 is due at closing. Uses and sources reconcile at $410,554.53 each. Not a Closing Disclosure.