Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$174,159Cash toward the purchase price.
Closing costs + prepaids$11,440Not just lender fees.
Before credits & paid funds$185,599The complete starting cash picture.
Estimated remaining funds due at closing
$185,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,159.03
Your down payment$174,159.03
Closing costs + prepaids$11,440.26
Total buyer cash needed$185,599.29
Remaining funds due$185,599.29
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%)$1,124.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.00
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$548.06
Fees + prepaids$11,440.26
Your down payment is the seller’s equity. You take over the $224,841 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $185,599.29 is due at closing. Uses and sources reconcile at $410,440.26 each. Not a Closing Disclosure.