Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$150,924Cash toward the purchase price.
Closing costs + prepaids$12,088Not just lender fees.
Before credits & paid funds$163,011The complete starting cash picture.
Estimated remaining funds due at closing
$163,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,923.54
Your down payment$150,923.54
Closing costs + prepaids$12,087.75
Total buyer cash needed$163,011.30
Remaining funds due$163,011.30
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%)$1,245.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$713.75
Initial HOA (3 months)$450.00
Prepaid interest, first (18 days)$460.62
Fees + prepaids$12,087.75
Your down payment is the seller’s equity. You take over the $249,076 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $163,011.30 is due at closing. Uses and sources reconcile at $412,087.75 each. Not a Closing Disclosure.