Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$243,659Cash toward the purchase price.
Closing costs + prepaids$10,896Not just lender fees.
Before credits & paid funds$254,555The complete starting cash picture.
Estimated remaining funds due at closing
$254,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,658.72
Your down payment$243,658.72
Closing costs + prepaids$10,896.17
Total buyer cash needed$254,554.89
Remaining funds due$254,554.89
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$776.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.75
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$470.71
Fees + prepaids$10,896.17
Your down payment is the seller’s equity. You take over the $155,341 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $254,554.89 is due at closing. Uses and sources reconcile at $409,896.17 each. Not a Closing Disclosure.