Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$131,007Cash toward the purchase price.
Closing costs + prepaids$12,561Not just lender fees.
Before credits & paid funds$143,567The complete starting cash picture.
Estimated remaining funds due at closing
$143,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,006.71
Your down payment$131,006.71
Closing costs + prepaids$12,560.55
Total buyer cash needed$143,567.26
Remaining funds due$143,567.26
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%)$1,344.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,491.50
Prepaid interest, first (26 days)$507.58
Fees + prepaids$12,560.55
Your down payment is the seller’s equity. You take over the $268,893 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $143,567.26 is due at closing. Uses and sources reconcile at $412,460.55 each. Not a Closing Disclosure.