Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$160,731Cash toward the purchase price.
Closing costs + prepaids$12,326Not just lender fees.
Before credits & paid funds$173,057The complete starting cash picture.
Estimated remaining funds due at closing
$173,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,730.64
Your down payment$160,730.64
Closing costs + prepaids$12,326.33
Total buyer cash needed$173,056.97
Remaining funds due$173,056.97
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,195.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,280.50
Prepaid interest, first (23 days)$632.98
Fees + prepaids$12,326.33
Your down payment is the seller’s equity. You take over the $239,169 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $173,056.97 is due at closing. Uses and sources reconcile at $412,226.33 each. Not a Closing Disclosure.