Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$236,756Cash toward the purchase price.
Closing costs + prepaids$11,037Not just lender fees.
Before credits & paid funds$247,792The complete starting cash picture.
Estimated remaining funds due at closing
$247,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,755.80
Your down payment$236,755.80
Closing costs + prepaids$11,036.61
Total buyer cash needed$247,792.41
Remaining funds due$247,792.41
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%)$811.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$489.75
Initial HOA (3 months)$216.00
Prepaid interest, first (19 days)$311.64
Fees + prepaids$11,036.61
Your down payment is the seller’s equity. You take over the $162,244 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $247,792.41 is due at closing. Uses and sources reconcile at $410,036.61 each. Not a Closing Disclosure.