Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$131,392Cash toward the purchase price.
Closing costs + prepaids$11,447Not just lender fees.
Before credits & paid funds$142,838The complete starting cash picture.
Estimated remaining funds due at closing
$142,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,391.62
Your down payment$131,391.62
Closing costs + prepaids$11,446.75
Total buyer cash needed$142,838.37
Remaining funds due$142,838.37
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%)$1,318.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.00
Initial HOA (3 months)$264.99
Prepaid interest, first (10 days)$221.72
Fees + prepaids$11,446.75
Your down payment is the seller’s equity. You take over the $263,608 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $142,838.37 is due at closing. Uses and sources reconcile at $406,446.75 each. Not a Closing Disclosure.