Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$143,826Cash toward the purchase price.
Closing costs + prepaids$11,015Not just lender fees.
Before credits & paid funds$154,841The complete starting cash picture.
Estimated remaining funds due at closing
$154,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,825.88
Your down payment$143,825.88
Closing costs + prepaids$11,015.13
Total buyer cash needed$154,841.01
Remaining funds due$154,841.01
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%)$1,255.87
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)$117.26
Fees + prepaids$11,015.13
Your down payment is the seller’s equity. You take over the $251,174 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $154,841.01 is due at closing. Uses and sources reconcile at $406,015.13 each. Not a Closing Disclosure.