Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$129,431Cash toward the purchase price.
Closing costs + prepaids$11,355Not just lender fees.
Before credits & paid funds$140,786The complete starting cash picture.
Estimated remaining funds due at closing
$140,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,431.15
Your down payment$129,431.15
Closing costs + prepaids$11,354.75
Total buyer cash needed$140,785.89
Remaining funds due$140,785.89
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%)$3,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,250.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$455.50
Initial HOA (3 months)$90.00
Prepaid interest, first (12 days)$545.90
Fees + prepaids$11,354.75
Your down payment is the seller’s equity. You take over the $250,069 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $140,785.89 is due at closing. Uses and sources reconcile at $390,854.75 each. Not a Closing Disclosure.