Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$227,064Cash toward the purchase price.
Closing costs + prepaids$10,998Not just lender fees.
Before credits & paid funds$238,062The complete starting cash picture.
Estimated remaining funds due at closing
$238,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,063.98
Your down payment$227,063.98
Closing costs + prepaids$10,997.84
Total buyer cash needed$238,061.82
Remaining funds due$238,061.82
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%)$859.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.75
Prepaid interest, first (27 days)$460.41
Fees + prepaids$10,997.84
Your down payment is the seller’s equity. You take over the $171,936 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $238,061.82 is due at closing. Uses and sources reconcile at $409,997.84 each. Not a Closing Disclosure.