Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$109,255Cash toward the purchase price.
Closing costs + prepaids$13,067Not just lender fees.
Before credits & paid funds$122,322The complete starting cash picture.
Estimated remaining funds due at closing
$122,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,254.81
Your down payment$109,254.81
Closing costs + prepaids$13,067.01
Total buyer cash needed$122,321.81
Remaining funds due$122,321.81
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$391.25
Initial HOA (3 months)$1,362.00
Prepaid interest, first (26 days)$642.03
Fees + prepaids$13,067.01
Your down payment is the seller’s equity. You take over the $290,745 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $122,321.81 is due at closing. Uses and sources reconcile at $413,067.01 each. Not a Closing Disclosure.