Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$141,538Cash toward the purchase price.
Closing costs + prepaids$12,380Not just lender fees.
Before credits & paid funds$153,918The complete starting cash picture.
Estimated remaining funds due at closing
$153,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,538.35
Your down payment$141,538.35
Closing costs + prepaids$12,379.55
Total buyer cash needed$153,917.90
Remaining funds due$153,917.90
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%)$1,292.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,019.50
Prepaid interest, first (30 days)$849.74
Fees + prepaids$12,379.55
Your down payment is the seller’s equity. You take over the $258,462 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $153,917.90 is due at closing. Uses and sources reconcile at $412,379.55 each. Not a Closing Disclosure.