Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$157,214Cash toward the purchase price.
Closing costs + prepaids$11,931Not just lender fees.
Before credits & paid funds$169,145The complete starting cash picture.
Estimated remaining funds due at closing
$169,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,213.75
Your down payment$157,213.75
Closing costs + prepaids$11,931.16
Total buyer cash needed$169,144.91
Remaining funds due$169,144.91
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%)$1,213.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.75
Initial HOA (3 months)$330.00
Prepaid interest, first (22 days)$432.98
Fees + prepaids$11,931.16
Your down payment is the seller’s equity. You take over the $242,686 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $169,144.91 is due at closing. Uses and sources reconcile at $411,831.16 each. Not a Closing Disclosure.