Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$111,552Cash toward the purchase price.
Closing costs + prepaids$12,601Not just lender fees.
Before credits & paid funds$124,154The complete starting cash picture.
Estimated remaining funds due at closing
$124,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,552.38
Your down payment$111,552.38
Closing costs + prepaids$12,601.17
Total buyer cash needed$124,153.54
Remaining funds due$124,153.54
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%)$1,442.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$485.75
Prepaid interest, first (27 days)$1,455.19
Fees + prepaids$12,601.17
Your down payment is the seller’s equity. You take over the $288,447 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $124,153.54 is due at closing. Uses and sources reconcile at $412,600.17 each. Not a Closing Disclosure.