Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$104,456Cash toward the purchase price.
Closing costs + prepaids$12,323Not just lender fees.
Before credits & paid funds$116,779The complete starting cash picture.
Estimated remaining funds due at closing
$116,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,456.49
Your down payment$104,456.49
Closing costs + prepaids$12,322.99
Total buyer cash needed$116,779.48
Remaining funds due$116,779.48
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%)$1,477.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,579.50
Prepaid interest, first (2 days)$47.77
Fees + prepaids$12,322.99
Your down payment is the seller’s equity. You take over the $295,544 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $116,779.48 is due at closing. Uses and sources reconcile at $412,322.99 each. Not a Closing Disclosure.