Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$133,123Cash toward the purchase price.
Closing costs + prepaids$12,116Not just lender fees.
Before credits & paid funds$145,239The complete starting cash picture.
Estimated remaining funds due at closing
$145,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,123.32
Your down payment$133,123.32
Closing costs + prepaids$12,116.10
Total buyer cash needed$145,239.43
Remaining funds due$145,239.43
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%)$3,899.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,284.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$672.50
Initial HOA (3 months)$408.00
Prepaid interest, first (30 days)$633.37
Fees + prepaids$12,116.10
Your down payment is the seller’s equity. You take over the $256,867 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $145,239.43 is due at closing. Uses and sources reconcile at $402,106.10 each. Not a Closing Disclosure.