Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$176,494Cash toward the purchase price.
Closing costs + prepaids$10,622Not just lender fees.
Before credits & paid funds$187,117The complete starting cash picture.
Estimated remaining funds due at closing
$187,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,494.25
Your down payment$176,494.25
Closing costs + prepaids$10,622.39
Total buyer cash needed$187,116.63
Remaining funds due$187,116.63
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%)$1,112.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.50
Prepaid interest, first (2 days)$35.36
Fees + prepaids$10,622.39
Your down payment is the seller’s equity. You take over the $222,506 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $187,116.63 is due at closing. Uses and sources reconcile at $409,622.39 each. Not a Closing Disclosure.