Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$225,932Cash toward the purchase price.
Closing costs + prepaids$11,157Not just lender fees.
Before credits & paid funds$237,089The complete starting cash picture.
Estimated remaining funds due at closing
$237,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,931.91
Your down payment$225,931.91
Closing costs + prepaids$11,157.46
Total buyer cash needed$237,089.37
Remaining funds due$237,089.37
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$865.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,017.50
Prepaid interest, first (5 days)$66.62
Fees + prepaids$11,157.46
Your down payment is the seller’s equity. You take over the $173,068 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $237,089.37 is due at closing. Uses and sources reconcile at $410,157.46 each. Not a Closing Disclosure.