Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$225,245Cash toward the purchase price.
Closing costs + prepaids$11,276Not just lender fees.
Before credits & paid funds$236,521The complete starting cash picture.
Estimated remaining funds due at closing
$236,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,244.89
Your down payment$225,244.89
Closing costs + prepaids$11,275.92
Total buyer cash needed$236,520.81
Remaining funds due$236,520.81
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%)$873.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.75
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$410.89
Fees + prepaids$11,275.92
Your down payment is the seller’s equity. You take over the $174,655 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $236,520.81 is due at closing. Uses and sources reconcile at $411,175.92 each. Not a Closing Disclosure.