Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$131,052Cash toward the purchase price.
Closing costs + prepaids$11,442Not just lender fees.
Before credits & paid funds$142,494The complete starting cash picture.
Estimated remaining funds due at closing
$142,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,052.19
Your down payment$131,052.19
Closing costs + prepaids$11,442.09
Total buyer cash needed$142,494.28
Remaining funds due$142,494.28
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,344.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$213.00
Prepaid interest, first (9 days)$186.35
Fees + prepaids$11,442.09
Your down payment is the seller’s equity. You take over the $268,948 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $142,494.28 is due at closing. Uses and sources reconcile at $411,442.09 each. Not a Closing Disclosure.