Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$129,900Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$142,168The complete starting cash picture.
Estimated remaining funds due at closing
$142,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,900.43
Your down payment$129,900.43
Closing costs + prepaids$12,267.92
Total buyer cash needed$142,168.35
Remaining funds due$142,168.35
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%)$3,949.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,325.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.00
Initial HOA (3 months)$1,032.00
Prepaid interest, first (12 days)$268.44
Fees + prepaids$12,267.92
Your down payment is the seller’s equity. You take over the $265,099 balance, so the rest of the $394,999 price is paid at closing. A second mortgage can cover part of it. $142,168.35 is due at closing. Uses and sources reconcile at $407,266.92 each. Not a Closing Disclosure.