Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$126,657Cash toward the purchase price.
Closing costs + prepaids$12,372Not just lender fees.
Before credits & paid funds$139,029The complete starting cash picture.
Estimated remaining funds due at closing
$139,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,657.12
Your down payment$126,657.12
Closing costs + prepaids$12,372.01
Total buyer cash needed$139,029.13
Remaining funds due$139,029.13
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%)$1,366.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$293.00
Prepaid interest, first (29 days)$1,495.80
Fees + prepaids$12,372.01
Your down payment is the seller’s equity. You take over the $273,243 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $139,029.13 is due at closing. Uses and sources reconcile at $412,272.01 each. Not a Closing Disclosure.