Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$225,174Cash toward the purchase price.
Closing costs + prepaids$10,689Not just lender fees.
Before credits & paid funds$235,862The complete starting cash picture.
Estimated remaining funds due at closing
$235,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,173.54
Your down payment$225,173.54
Closing costs + prepaids$10,688.75
Total buyer cash needed$235,862.29
Remaining funds due$235,862.29
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%)$869.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Prepaid interest, first (10 days)$132.87
Fees + prepaids$10,688.75
Your down payment is the seller’s equity. You take over the $173,826 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $235,862.29 is due at closing. Uses and sources reconcile at $409,688.75 each. Not a Closing Disclosure.