Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$126,914Cash toward the purchase price.
Closing costs + prepaids$12,637Not just lender fees.
Before credits & paid funds$139,551The complete starting cash picture.
Estimated remaining funds due at closing
$139,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,913.60
Your down payment$126,913.60
Closing costs + prepaids$12,637.46
Total buyer cash needed$139,551.05
Remaining funds due$139,551.05
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%)$1,365.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$524.00
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$1,155.04
Fees + prepaids$12,637.46
Your down payment is the seller’s equity. You take over the $273,085 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $139,551.05 is due at closing. Uses and sources reconcile at $412,636.46 each. Not a Closing Disclosure.