Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$120,936Cash toward the purchase price.
Closing costs + prepaids$12,769Not just lender fees.
Before credits & paid funds$133,705The complete starting cash picture.
Estimated remaining funds due at closing
$133,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,936.03
Your down payment$120,936.03
Closing costs + prepaids$12,768.76
Total buyer cash needed$133,704.79
Remaining funds due$133,704.79
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,390.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,615.00
Prepaid interest, first (23 days)$555.44
Fees + prepaids$12,768.76
Your down payment is the seller’s equity. You take over the $278,064 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $133,704.79 is due at closing. Uses and sources reconcile at $411,768.76 each. Not a Closing Disclosure.