Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,964Cash toward the purchase price.
Closing costs + prepaids$11,943Not just lender fees.
Before credits & paid funds$143,907The complete starting cash picture.
Estimated remaining funds due at closing
$143,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,963.54
Your down payment$131,963.54
Closing costs + prepaids$11,943.46
Total buyer cash needed$143,907.00
Remaining funds due$143,907.00
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%)$1,339.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$449.50
Initial HOA (3 months)$291.00
Prepaid interest, first (31 days)$646.28
Fees + prepaids$11,943.46
Your down payment is the seller’s equity. You take over the $267,936 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $143,907.00 is due at closing. Uses and sources reconcile at $411,843.46 each. Not a Closing Disclosure.