Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$149,540Cash toward the purchase price.
Closing costs + prepaids$12,093Not just lender fees.
Before credits & paid funds$161,632The complete starting cash picture.
Estimated remaining funds due at closing
$161,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,539.72
Your down payment$149,539.72
Closing costs + prepaids$12,092.64
Total buyer cash needed$161,632.36
Remaining funds due$161,632.36
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%)$1,247.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,114.50
Prepaid interest, first (25 days)$522.84
Fees + prepaids$12,092.64
Your down payment is the seller’s equity. You take over the $249,460 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $161,632.36 is due at closing. Uses and sources reconcile at $411,092.64 each. Not a Closing Disclosure.