Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$174,714Cash toward the purchase price.
Closing costs + prepaids$10,837Not just lender fees.
Before credits & paid funds$185,551The complete starting cash picture.
Estimated remaining funds due at closing
$185,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,714.11
Your down payment$174,714.11
Closing costs + prepaids$10,837.21
Total buyer cash needed$185,551.31
Remaining funds due$185,551.31
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%)$1,121.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$308.25
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$49.53
Fees + prepaids$10,837.21
Your down payment is the seller’s equity. You take over the $224,286 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $185,551.31 is due at closing. Uses and sources reconcile at $409,837.21 each. Not a Closing Disclosure.