Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$111,552Cash toward the purchase price.
Closing costs + prepaids$12,076Not just lender fees.
Before credits & paid funds$123,629The complete starting cash picture.
Estimated remaining funds due at closing
$123,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,552.38
Your down payment$111,552.38
Closing costs + prepaids$12,076.46
Total buyer cash needed$123,628.83
Remaining funds due$123,628.83
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,442.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Prepaid interest, first (17 days)$916.23
Fees + prepaids$12,076.46
Your down payment is the seller’s equity. You take over the $288,447 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $123,628.83 is due at closing. Uses and sources reconcile at $412,075.46 each. Not a Closing Disclosure.