Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$163,047Cash toward the purchase price.
Closing costs + prepaids$11,337Not just lender fees.
Before credits & paid funds$174,385The complete starting cash picture.
Estimated remaining funds due at closing
$174,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,047.26
Your down payment$163,047.26
Closing costs + prepaids$11,337.30
Total buyer cash needed$174,384.56
Remaining funds due$174,384.56
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%)$1,184.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.50
Prepaid interest, first (28 days)$550.54
Fees + prepaids$11,337.30
Your down payment is the seller’s equity. You take over the $236,853 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $174,384.56 is due at closing. Uses and sources reconcile at $411,237.30 each. Not a Closing Disclosure.