Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$271,100Cash toward the purchase price.
Closing costs + prepaids$10,651Not just lender fees.
Before credits & paid funds$281,751The complete starting cash picture.
Estimated remaining funds due at closing
$281,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,100.00
Your down payment$271,100.00
Closing costs + prepaids$10,651.38
Total buyer cash needed$281,751.38
Remaining funds due$281,751.38
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%)$644.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$276.50
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$287.38
Fees + prepaids$10,651.38
Your down payment is the seller’s equity. You take over the $128,900 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $281,751.38 is due at closing. Uses and sources reconcile at $410,651.38 each. Not a Closing Disclosure.