Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$140,156Cash toward the purchase price.
Closing costs + prepaids$12,314Not just lender fees.
Before credits & paid funds$152,470The complete starting cash picture.
Estimated remaining funds due at closing
$152,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,156.28
Your down payment$140,156.28
Closing costs + prepaids$12,313.64
Total buyer cash needed$152,469.92
Remaining funds due$152,469.92
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%)$1,299.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$973.25
Prepaid interest, first (31 days)$823.17
Fees + prepaids$12,313.64
Your down payment is the seller’s equity. You take over the $259,844 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $152,469.92 is due at closing. Uses and sources reconcile at $412,313.64 each. Not a Closing Disclosure.