Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,174Cash toward the purchase price.
Closing costs + prepaids$11,723Not just lender fees.
Before credits & paid funds$155,897The complete starting cash picture.
Estimated remaining funds due at closing
$155,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,174.37
Your down payment$144,174.37
Closing costs + prepaids$11,722.58
Total buyer cash needed$155,896.95
Remaining funds due$155,896.95
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,279.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$640.50
Prepaid interest, first (26 days)$584.96
Fees + prepaids$11,722.58
Your down payment is the seller’s equity. You take over the $255,825 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $155,896.95 is due at closing. Uses and sources reconcile at $411,721.58 each. Not a Closing Disclosure.