Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$165,288Cash toward the purchase price.
Closing costs + prepaids$12,564Not just lender fees.
Before credits & paid funds$177,851The complete starting cash picture.
Estimated remaining funds due at closing
$177,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,287.89
Your down payment$165,287.89
Closing costs + prepaids$12,563.51
Total buyer cash needed$177,851.40
Remaining funds due$177,851.40
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%)$1,173.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,019.75
Initial HOA (3 months)$1,038.00
Prepaid interest, first (5 days)$115.70
Fees + prepaids$12,563.51
Your down payment is the seller’s equity. You take over the $234,612 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $177,851.40 is due at closing. Uses and sources reconcile at $412,463.51 each. Not a Closing Disclosure.