Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$144,418Cash toward the purchase price.
Closing costs + prepaids$12,092Not just lender fees.
Before credits & paid funds$156,510The complete starting cash picture.
Estimated remaining funds due at closing
$156,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,417.99
Your down payment$144,417.99
Closing costs + prepaids$12,091.56
Total buyer cash needed$156,509.56
Remaining funds due$156,509.56
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,277.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,040.50
Initial HOA (3 months)$187.50
Prepaid interest, first (18 days)$369.15
Fees + prepaids$12,091.56
Your down payment is the seller’s equity. You take over the $255,482 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $156,509.56 is due at closing. Uses and sources reconcile at $411,991.56 each. Not a Closing Disclosure.