Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$130,837Cash toward the purchase price.
Closing costs + prepaids$12,864Not just lender fees.
Before credits & paid funds$143,700The complete starting cash picture.
Estimated remaining funds due at closing
$143,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,836.66
Your down payment$130,836.66
Closing costs + prepaids$12,863.70
Total buyer cash needed$143,700.36
Remaining funds due$143,700.36
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%)$3,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,345.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.00
Initial HOA (3 months)$699.00
Prepaid interest, first (30 days)$601.63
Fees + prepaids$12,863.70
Your down payment is the seller’s equity. You take over the $269,113 balance, so the rest of the $399,950 price is paid at closing. A second mortgage can cover part of it. $143,700.36 is due at closing. Uses and sources reconcile at $412,813.70 each. Not a Closing Disclosure.