Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$131,987Cash toward the purchase price.
Closing costs + prepaids$11,952Not just lender fees.
Before credits & paid funds$143,939The complete starting cash picture.
Estimated remaining funds due at closing
$143,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,987.08
Your down payment$131,987.08
Closing costs + prepaids$11,951.77
Total buyer cash needed$143,938.85
Remaining funds due$143,938.85
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%)$3,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,340.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.00
Prepaid interest, first (18 days)$393.85
Fees + prepaids$11,951.77
Your down payment is the seller’s equity. You take over the $268,003 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $143,938.85 is due at closing. Uses and sources reconcile at $411,941.77 each. Not a Closing Disclosure.