Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$150,924Cash toward the purchase price.
Closing costs + prepaids$12,369Not just lender fees.
Before credits & paid funds$163,293The complete starting cash picture.
Estimated remaining funds due at closing
$163,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,923.54
Your down payment$150,923.54
Closing costs + prepaids$12,369.24
Total buyer cash needed$163,292.79
Remaining funds due$163,292.79
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%)$1,245.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$713.75
Initial HOA (3 months)$450.00
Prepaid interest, first (29 days)$742.11
Fees + prepaids$12,369.24
Your down payment is the seller’s equity. You take over the $249,076 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $163,292.79 is due at closing. Uses and sources reconcile at $412,369.24 each. Not a Closing Disclosure.