Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$215,158Cash toward the purchase price.
Closing costs + prepaids$12,176Not just lender fees.
Before credits & paid funds$227,334The complete starting cash picture.
Estimated remaining funds due at closing
$227,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,157.70
Your down payment$215,157.70
Closing costs + prepaids$12,176.29
Total buyer cash needed$227,334.00
Remaining funds due$227,334.00
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%)$919.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$842.75
Initial HOA (3 months)$750.00
Prepaid interest, first (30 days)$456.33
Fees + prepaids$12,176.29
Your down payment is the seller’s equity. You take over the $183,842 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $227,334.00 is due at closing. Uses and sources reconcile at $411,176.29 each. Not a Closing Disclosure.