Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$225,245Cash toward the purchase price.
Closing costs + prepaids$11,096Not just lender fees.
Before credits & paid funds$236,340The complete starting cash picture.
Estimated remaining funds due at closing
$236,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,244.89
Your down payment$225,244.89
Closing costs + prepaids$11,095.60
Total buyer cash needed$236,340.49
Remaining funds due$236,340.49
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$873.28
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)$300.00
Prepaid interest, first (17 days)$225.33
Fees + prepaids$11,095.60
Your down payment is the seller’s equity. You take over the $174,655 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $236,340.49 is due at closing. Uses and sources reconcile at $410,995.60 each. Not a Closing Disclosure.