Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$103,153Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$115,439The complete starting cash picture.
Estimated remaining funds due at closing
$115,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,152.90
Your down payment$103,152.90
Closing costs + prepaids$12,286.11
Total buyer cash needed$115,439.01
Remaining funds due$115,439.01
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%)$1,484.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$23.75
Initial HOA (3 months)$450.00
Prepaid interest, first (21 days)$1,110.13
Fees + prepaids$12,286.11
Your down payment is the seller’s equity. You take over the $296,847 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $115,439.01 is due at closing. Uses and sources reconcile at $412,286.11 each. Not a Closing Disclosure.