Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,501Cash toward the purchase price.
Closing costs + prepaids$13,768Not just lender fees.
Before credits & paid funds$117,269The complete starting cash picture.
Estimated remaining funds due at closing
$117,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,500.76
Your down payment$103,500.76
Closing costs + prepaids$13,768.15
Total buyer cash needed$117,268.90
Remaining funds due$117,268.90
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,482.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$465.00
Initial HOA (3 months)$1,545.00
Prepaid interest, first (31 days)$1,057.65
Fees + prepaids$13,768.15
Your down payment is the seller’s equity. You take over the $296,499 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $117,268.90 is due at closing. Uses and sources reconcile at $413,768.15 each. Not a Closing Disclosure.