Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$168,462Cash toward the purchase price.
Closing costs + prepaids$12,552Not just lender fees.
Before credits & paid funds$181,014The complete starting cash picture.
Estimated remaining funds due at closing
$181,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,462.36
Your down payment$168,462.36
Closing costs + prepaids$12,551.98
Total buyer cash needed$181,014.34
Remaining funds due$181,014.34
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%)$1,157.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$857.00
Initial HOA (3 months)$207.99
Prepaid interest, first (27 days)$1,112.80
Fees + prepaids$12,551.98
Your down payment is the seller’s equity. You take over the $231,438 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $181,014.34 is due at closing. Uses and sources reconcile at $412,451.98 each. Not a Closing Disclosure.