Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$134,318Cash toward the purchase price.
Closing costs + prepaids$11,721Not just lender fees.
Before credits & paid funds$146,040The complete starting cash picture.
Estimated remaining funds due at closing
$146,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,318.45
Your down payment$134,318.45
Closing costs + prepaids$11,721.44
Total buyer cash needed$146,039.89
Remaining funds due$146,039.89
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%)$3,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,325.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$572.25
Prepaid interest, first (30 days)$610.28
Fees + prepaids$11,721.44
Your down payment is the seller’s equity. You take over the $265,182 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $146,039.89 is due at closing. Uses and sources reconcile at $411,221.44 each. Not a Closing Disclosure.