Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$121,579Cash toward the purchase price.
Closing costs + prepaids$11,378Not just lender fees.
Before credits & paid funds$132,957The complete starting cash picture.
Estimated remaining funds due at closing
$132,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,578.98
Your down payment$121,578.98
Closing costs + prepaids$11,377.64
Total buyer cash needed$132,956.62
Remaining funds due$132,956.62
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,342.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$871.50
Prepaid interest, first (2 days)$46.04
Fees + prepaids$11,377.64
Your down payment is the seller’s equity. You take over the $268,421 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $132,956.62 is due at closing. Uses and sources reconcile at $401,377.64 each. Not a Closing Disclosure.