Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$160,053Cash toward the purchase price.
Closing costs + prepaids$11,667Not just lender fees.
Before credits & paid funds$171,719The complete starting cash picture.
Estimated remaining funds due at closing
$171,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,052.64
Your down payment$160,052.64
Closing costs + prepaids$11,666.83
Total buyer cash needed$171,719.47
Remaining funds due$171,719.47
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%)$1,199.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.75
Initial HOA (3 months)$285.00
Prepaid interest, first (22 days)$542.35
Fees + prepaids$11,666.83
Your down payment is the seller’s equity. You take over the $239,947 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $171,719.47 is due at closing. Uses and sources reconcile at $411,666.83 each. Not a Closing Disclosure.