Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$125,519Cash toward the purchase price.
Closing costs + prepaids$11,516Not just lender fees.
Before credits & paid funds$137,035The complete starting cash picture.
Estimated remaining funds due at closing
$137,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,519.36
Your down payment$125,519.36
Closing costs + prepaids$11,515.61
Total buyer cash needed$137,034.97
Remaining funds due$137,034.97
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,271.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.25
Initial HOA (3 months)$156.00
Prepaid interest, first (31 days)$598.46
Fees + prepaids$11,515.61
Your down payment is the seller’s equity. You take over the $254,381 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $137,034.97 is due at closing. Uses and sources reconcile at $391,415.61 each. Not a Closing Disclosure.