Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$147,377Cash toward the purchase price.
Closing costs + prepaids$12,061Not just lender fees.
Before credits & paid funds$159,438The complete starting cash picture.
Estimated remaining funds due at closing
$159,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,377.22
Your down payment$147,377.22
Closing costs + prepaids$12,060.78
Total buyer cash needed$159,437.99
Remaining funds due$159,437.99
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%)$1,258.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,080.25
Prepaid interest, first (26 days)$514.41
Fees + prepaids$12,060.78
Your down payment is the seller’s equity. You take over the $251,623 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $159,437.99 is due at closing. Uses and sources reconcile at $411,060.78 each. Not a Closing Disclosure.