Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$139,080Cash toward the purchase price.
Closing costs + prepaids$12,550Not just lender fees.
Before credits & paid funds$151,631The complete starting cash picture.
Estimated remaining funds due at closing
$151,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,080.12
Your down payment$139,080.12
Closing costs + prepaids$12,550.39
Total buyer cash needed$151,630.50
Remaining funds due$151,630.50
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,304.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (12 days)$272.79
Fees + prepaids$12,550.39
Your down payment is the seller’s equity. You take over the $260,920 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $151,630.50 is due at closing. Uses and sources reconcile at $412,550.39 each. Not a Closing Disclosure.