Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$122,039Cash toward the purchase price.
Closing costs + prepaids$13,021Not just lender fees.
Before credits & paid funds$135,060The complete starting cash picture.
Estimated remaining funds due at closing
$135,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,039.03
Your down payment$122,039.03
Closing costs + prepaids$13,020.61
Total buyer cash needed$135,059.64
Remaining funds due$135,059.64
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%)$1,389.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$784.25
Initial HOA (3 months)$153.00
Prepaid interest, first (28 days)$1,475.55
Fees + prepaids$13,020.61
Your down payment is the seller’s equity. You take over the $277,961 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $135,059.64 is due at closing. Uses and sources reconcile at $413,020.61 each. Not a Closing Disclosure.