Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$142,317Cash toward the purchase price.
Closing costs + prepaids$11,498Not just lender fees.
Before credits & paid funds$153,815The complete starting cash picture.
Estimated remaining funds due at closing
$153,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,316.82
Your down payment$142,316.82
Closing costs + prepaids$11,497.82
Total buyer cash needed$153,814.64
Remaining funds due$153,814.64
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,288.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.50
Initial HOA (3 months)$96.00
Prepaid interest, first (22 days)$420.91
Fees + prepaids$11,497.82
Your down payment is the seller’s equity. You take over the $257,683 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $153,814.64 is due at closing. Uses and sources reconcile at $411,497.82 each. Not a Closing Disclosure.