Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$151,427Cash toward the purchase price.
Closing costs + prepaids$11,721Not just lender fees.
Before credits & paid funds$163,148The complete starting cash picture.
Estimated remaining funds due at closing
$163,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,426.69
Your down payment$151,426.69
Closing costs + prepaids$11,721.04
Total buyer cash needed$163,147.73
Remaining funds due$163,147.73
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%)$1,242.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$653.50
Initial HOA (3 months)$84.00
Prepaid interest, first (25 days)$524.18
Fees + prepaids$11,721.04
Your down payment is the seller’s equity. You take over the $248,473 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $163,147.73 is due at closing. Uses and sources reconcile at $411,621.04 each. Not a Closing Disclosure.