Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$138,656Cash toward the purchase price.
Closing costs + prepaids$11,283Not just lender fees.
Before credits & paid funds$149,939The complete starting cash picture.
Estimated remaining funds due at closing
$149,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,656.12
Your down payment$138,656.12
Closing costs + prepaids$11,283.03
Total buyer cash needed$149,939.15
Remaining funds due$149,939.15
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%)$1,306.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$359.00
Prepaid interest, first (20 days)$400.81
Fees + prepaids$11,283.03
Your down payment is the seller’s equity. You take over the $261,244 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $149,939.15 is due at closing. Uses and sources reconcile at $411,183.03 each. Not a Closing Disclosure.