Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$129,431Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$140,513The complete starting cash picture.
Estimated remaining funds due at closing
$140,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,431.15
Your down payment$129,431.15
Closing costs + prepaids$11,081.80
Total buyer cash needed$140,512.94
Remaining funds due$140,512.94
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%)$3,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,250.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$455.50
Initial HOA (3 months)$90.00
Prepaid interest, first (6 days)$272.95
Fees + prepaids$11,081.80
Your down payment is the seller’s equity. You take over the $250,069 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $140,512.94 is due at closing. Uses and sources reconcile at $390,581.80 each. Not a Closing Disclosure.