Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$112,160Cash toward the purchase price.
Closing costs + prepaids$13,100Not just lender fees.
Before credits & paid funds$125,260The complete starting cash picture.
Estimated remaining funds due at closing
$125,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,159.51
Your down payment$112,159.51
Closing costs + prepaids$13,100.31
Total buyer cash needed$125,259.82
Remaining funds due$125,259.82
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%)$1,434.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,099.00
Initial HOA (3 months)$1,332.00
Prepaid interest, first (1 days)$27.11
Fees + prepaids$13,100.31
Your down payment is the seller’s equity. You take over the $286,840 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $125,259.82 is due at closing. Uses and sources reconcile at $412,100.31 each. Not a Closing Disclosure.