Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$119,087Cash toward the purchase price.
Closing costs + prepaids$14,535Not just lender fees.
Before credits & paid funds$133,623The complete starting cash picture.
Estimated remaining funds due at closing
$133,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,087.50
Your down payment$119,087.50
Closing costs + prepaids$14,535.37
Total buyer cash needed$133,622.87
Remaining funds due$133,622.87
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%)$1,404.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,568.00
Initial HOA (3 months)$1,509.00
Prepaid interest, first (30 days)$835.81
Fees + prepaids$14,535.37
Your down payment is the seller’s equity. You take over the $280,913 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $133,622.87 is due at closing. Uses and sources reconcile at $414,535.37 each. Not a Closing Disclosure.