Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$184,433Cash toward the purchase price.
Closing costs + prepaids$11,076Not just lender fees.
Before credits & paid funds$195,509The complete starting cash picture.
Estimated remaining funds due at closing
$195,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,433.16
Your down payment$184,433.16
Closing costs + prepaids$11,076.25
Total buyer cash needed$195,509.42
Remaining funds due$195,509.42
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%)$1,072.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Initial HOA (3 months)$168.00
Prepaid interest, first (9 days)$148.67
Fees + prepaids$11,076.25
Your down payment is the seller’s equity. You take over the $214,567 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $195,509.42 is due at closing. Uses and sources reconcile at $410,076.25 each. Not a Closing Disclosure.