Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$113,656Cash toward the purchase price.
Closing costs + prepaids$11,986Not just lender fees.
Before credits & paid funds$125,642The complete starting cash picture.
Estimated remaining funds due at closing
$125,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,656.45
Your down payment$113,656.45
Closing costs + prepaids$11,985.71
Total buyer cash needed$125,642.16
Remaining funds due$125,642.16
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%)$3,909.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,386.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$482.50
Initial HOA (3 months)$360.00
Prepaid interest, first (29 days)$629.99
Fees + prepaids$11,985.71
Your down payment is the seller’s equity. You take over the $277,244 balance, so the rest of the $390,900 price is paid at closing. A second mortgage can cover part of it. $125,642.16 is due at closing. Uses and sources reconcile at $402,885.71 each. Not a Closing Disclosure.