Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$155,415Cash toward the purchase price.
Closing costs + prepaids$12,375Not just lender fees.
Before credits & paid funds$167,790The complete starting cash picture.
Estimated remaining funds due at closing
$167,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,415.00
Your down payment$155,415.00
Closing costs + prepaids$12,375.04
Total buyer cash needed$167,790.04
Remaining funds due$167,790.04
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%)$3,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,222.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Initial HOA (3 months)$426.00
Prepaid interest, first (28 days)$1,208.27
Fees + prepaids$12,375.04
Your down payment is the seller’s equity. You take over the $244,575 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $167,790.04 is due at closing. Uses and sources reconcile at $412,365.04 each. Not a Closing Disclosure.