Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$138,656Cash toward the purchase price.
Closing costs + prepaids$11,303Not just lender fees.
Before credits & paid funds$149,959The complete starting cash picture.
Estimated remaining funds due at closing
$149,959No 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$11,303.07
Total buyer cash needed$149,959.19
Remaining funds due$149,959.19
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 (21 days)$420.85
Fees + prepaids$11,303.07
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. $149,959.19 is due at closing. Uses and sources reconcile at $411,203.07 each. Not a Closing Disclosure.