Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$154,817Cash toward the purchase price.
Closing costs + prepaids$11,576Not just lender fees.
Before credits & paid funds$166,393The complete starting cash picture.
Estimated remaining funds due at closing
$166,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,816.97
Your down payment$154,816.97
Closing costs + prepaids$11,575.70
Total buyer cash needed$166,392.67
Remaining funds due$166,392.67
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%)$1,225.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.25
Prepaid interest, first (28 days)$658.03
Fees + prepaids$11,575.70
Your down payment is the seller’s equity. You take over the $245,083 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $166,392.67 is due at closing. Uses and sources reconcile at $411,475.70 each. Not a Closing Disclosure.