Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$127,119Cash toward the purchase price.
Closing costs + prepaids$10,880Not just lender fees.
Before credits & paid funds$137,999The complete starting cash picture.
Estimated remaining funds due at closing
$137,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,119.20
Your down payment$127,119.20
Closing costs + prepaids$10,879.83
Total buyer cash needed$137,999.03
Remaining funds due$137,999.03
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,339.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.75
Prepaid interest, first (1 days)$22.68
Fees + prepaids$10,879.83
Your down payment is the seller’s equity. You take over the $267,881 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $137,999.03 is due at closing. Uses and sources reconcile at $405,879.83 each. Not a Closing Disclosure.