Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$102,488Cash toward the purchase price.
Closing costs + prepaids$12,050Not just lender fees.
Before credits & paid funds$114,538The complete starting cash picture.
Estimated remaining funds due at closing
$114,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,487.55
Your down payment$102,487.55
Closing costs + prepaids$12,050.23
Total buyer cash needed$114,537.78
Remaining funds due$114,537.78
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,487.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$418.50
Initial HOA (3 months)$249.00
Prepaid interest, first (31 days)$677.18
Fees + prepaids$12,050.23
Your down payment is the seller’s equity. You take over the $297,511 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $114,537.78 is due at closing. Uses and sources reconcile at $412,049.23 each. Not a Closing Disclosure.