Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$182,231Cash toward the purchase price.
Closing costs + prepaids$11,449Not just lender fees.
Before credits & paid funds$193,680The complete starting cash picture.
Estimated remaining funds due at closing
$193,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,231.24
Your down payment$182,231.24
Closing costs + prepaids$11,449.05
Total buyer cash needed$193,680.28
Remaining funds due$193,680.28
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%)$1,088.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.50
Initial HOA (3 months)$228.00
Prepaid interest, first (30 days)$490.20
Fees + prepaids$11,449.05
Your down payment is the seller’s equity. You take over the $217,669 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $193,680.28 is due at closing. Uses and sources reconcile at $411,349.05 each. Not a Closing Disclosure.