Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$160,731Cash toward the purchase price.
Closing costs + prepaids$11,570Not just lender fees.
Before credits & paid funds$172,301The complete starting cash picture.
Estimated remaining funds due at closing
$172,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,730.64
Your down payment$160,730.64
Closing costs + prepaids$11,570.20
Total buyer cash needed$172,300.84
Remaining funds due$172,300.84
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%)$1,195.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,019.75
Prepaid interest, first (5 days)$137.60
Fees + prepaids$11,570.20
Your down payment is the seller’s equity. You take over the $239,169 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $172,300.84 is due at closing. Uses and sources reconcile at $411,470.20 each. Not a Closing Disclosure.