Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$129,184Cash toward the purchase price.
Closing costs + prepaids$11,002Not just lender fees.
Before credits & paid funds$140,186The complete starting cash picture.
Estimated remaining funds due at closing
$140,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,183.84
Your down payment$129,183.84
Closing costs + prepaids$11,002.40
Total buyer cash needed$140,186.25
Remaining funds due$140,186.25
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%)$1,251.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.75
Initial HOA (3 months)$90.00
Prepaid interest, first (2 days)$91.07
Fees + prepaids$11,002.40
Your down payment is the seller’s equity. You take over the $250,316 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $140,186.25 is due at closing. Uses and sources reconcile at $390,502.40 each. Not a Closing Disclosure.