Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$118,013Cash toward the purchase price.
Closing costs + prepaids$11,322Not just lender fees.
Before credits & paid funds$129,335The complete starting cash picture.
Estimated remaining funds due at closing
$129,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,013.40
Your down payment$118,013.40
Closing costs + prepaids$11,321.53
Total buyer cash needed$129,334.93
Remaining funds due$129,334.93
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%)$1,384.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.00
Prepaid interest, first (6 days)$294.59
Fees + prepaids$11,321.53
Your down payment is the seller’s equity. You take over the $276,987 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $129,334.93 is due at closing. Uses and sources reconcile at $406,321.53 each. Not a Closing Disclosure.