Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$282,178Cash toward the purchase price.
Closing costs + prepaids$12,443Not just lender fees.
Before credits & paid funds$294,621The complete starting cash picture.
Estimated remaining funds due at closing
$294,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,178.04
Your down payment$282,178.04
Closing costs + prepaids$12,443.12
Total buyer cash needed$294,621.16
Remaining funds due$294,621.16
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%)$588.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$988.75
Initial HOA (3 months)$1,422.99
Prepaid interest, first (25 days)$225.77
Fees + prepaids$12,443.12
Your down payment is the seller’s equity. You take over the $117,722 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $294,621.16 is due at closing. Uses and sources reconcile at $412,343.12 each. Not a Closing Disclosure.