Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$101,745Cash toward the purchase price.
Closing costs + prepaids$16,057Not just lender fees.
Before credits & paid funds$117,802The complete starting cash picture.
Estimated remaining funds due at closing
$117,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,745.31
Your down payment$101,745.31
Closing costs + prepaids$16,057.08
Total buyer cash needed$117,802.38
Remaining funds due$117,802.38
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%)$1,486.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,871.25
Initial HOA (3 months)$2,046.00
Prepaid interest, first (25 days)$1,445.55
Fees + prepaids$16,057.08
Your down payment is the seller’s equity. You take over the $297,255 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $117,802.38 is due at closing. Uses and sources reconcile at $415,057.08 each. Not a Closing Disclosure.