Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$164,257Cash toward the purchase price.
Closing costs + prepaids$13,786Not just lender fees.
Before credits & paid funds$178,042The complete starting cash picture.
Estimated remaining funds due at closing
$178,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,256.60
Your down payment$164,256.60
Closing costs + prepaids$13,785.80
Total buyer cash needed$178,042.40
Remaining funds due$178,042.40
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%)$1,178.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,163.00
Initial HOA (3 months)$1,638.99
Prepaid interest, first (30 days)$587.10
Fees + prepaids$13,785.80
Your down payment is the seller’s equity. You take over the $235,743 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $178,042.40 is due at closing. Uses and sources reconcile at $413,785.80 each. Not a Closing Disclosure.