Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$177,201Cash toward the purchase price.
Closing costs + prepaids$11,481Not just lender fees.
Before credits & paid funds$188,682The complete starting cash picture.
Estimated remaining funds due at closing
$188,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,200.75
Your down payment$177,200.75
Closing costs + prepaids$11,481.25
Total buyer cash needed$188,682.00
Remaining funds due$188,682.00
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%)$1,109.00
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)$146.75
Fees + prepaids$11,481.25
Your down payment is the seller’s equity. You take over the $221,799 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $188,682.00 is due at closing. Uses and sources reconcile at $410,481.25 each. Not a Closing Disclosure.