Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$112,031Cash toward the purchase price.
Closing costs + prepaids$12,272Not just lender fees.
Before credits & paid funds$124,303The complete starting cash picture.
Estimated remaining funds due at closing
$124,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,030.57
Your down payment$112,030.57
Closing costs + prepaids$12,272.24
Total buyer cash needed$124,302.81
Remaining funds due$124,302.81
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%)$1,439.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$999.75
Initial HOA (3 months)$62.49
Prepaid interest, first (26 days)$553.66
Fees + prepaids$12,272.24
Your down payment is the seller’s equity. You take over the $287,869 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $124,302.81 is due at closing. Uses and sources reconcile at $412,172.24 each. Not a Closing Disclosure.