Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$110,916Cash toward the purchase price.
Closing costs + prepaids$12,409Not just lender fees.
Before credits & paid funds$123,324The complete starting cash picture.
Estimated remaining funds due at closing
$123,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,915.58
Your down payment$110,915.58
Closing costs + prepaids$12,408.71
Total buyer cash needed$123,324.30
Remaining funds due$123,324.30
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%)$1,444.92
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)$110.01
Prepaid interest, first (27 days)$637.03
Fees + prepaids$12,408.71
Your down payment is the seller’s equity. You take over the $288,984 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $123,324.30 is due at closing. Uses and sources reconcile at $412,308.71 each. Not a Closing Disclosure.