Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$194,287Cash toward the purchase price.
Closing costs + prepaids$10,852Not just lender fees.
Before credits & paid funds$205,139The complete starting cash picture.
Estimated remaining funds due at closing
$205,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,287.18
Your down payment$194,287.18
Closing costs + prepaids$10,851.70
Total buyer cash needed$205,138.87
Remaining funds due$205,138.87
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%)$1,023.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$103.75
Prepaid interest, first (31 days)$516.38
Fees + prepaids$10,851.70
Your down payment is the seller’s equity. You take over the $204,713 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $205,138.87 is due at closing. Uses and sources reconcile at $409,851.70 each. Not a Closing Disclosure.