Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$146,567Cash toward the purchase price.
Closing costs + prepaids$11,981Not just lender fees.
Before credits & paid funds$158,548The complete starting cash picture.
Estimated remaining funds due at closing
$158,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,567.44
Your down payment$146,567.44
Closing costs + prepaids$11,980.50
Total buyer cash needed$158,547.94
Remaining funds due$158,547.94
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%)$1,266.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$929.00
Initial HOA (3 months)$48.75
Prepaid interest, first (27 days)$519.09
Fees + prepaids$11,980.50
Your down payment is the seller’s equity. You take over the $253,333 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $158,547.94 is due at closing. Uses and sources reconcile at $411,880.50 each. Not a Closing Disclosure.