Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$157,761Cash toward the purchase price.
Closing costs + prepaids$12,597Not just lender fees.
Before credits & paid funds$170,357The complete starting cash picture.
Estimated remaining funds due at closing
$170,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,760.70
Your down payment$157,760.70
Closing costs + prepaids$12,596.58
Total buyer cash needed$170,357.28
Remaining funds due$170,357.28
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%)$1,210.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,030.50
Prepaid interest, first (26 days)$1,138.39
Fees + prepaids$12,596.58
Your down payment is the seller’s equity. You take over the $242,139 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $170,357.28 is due at closing. Uses and sources reconcile at $412,496.58 each. Not a Closing Disclosure.