Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$172,671Cash toward the purchase price.
Closing costs + prepaids$11,023Not just lender fees.
Before credits & paid funds$183,694The complete starting cash picture.
Estimated remaining funds due at closing
$183,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,670.90
Your down payment$172,670.90
Closing costs + prepaids$11,022.72
Total buyer cash needed$183,693.62
Remaining funds due$183,693.62
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,136.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Prepaid interest, first (10 days)$188.09
Fees + prepaids$11,022.72
Your down payment is the seller’s equity. You take over the $227,328 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $183,693.62 is due at closing. Uses and sources reconcile at $411,021.72 each. Not a Closing Disclosure.