Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$124,936Cash toward the purchase price.
Closing costs + prepaids$11,145Not just lender fees.
Before credits & paid funds$136,082The complete starting cash picture.
Estimated remaining funds due at closing
$136,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,936.34
Your down payment$124,936.34
Closing costs + prepaids$11,145.25
Total buyer cash needed$136,081.60
Remaining funds due$136,081.60
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%)$3,875.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,312.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$81.50
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$507.93
Fees + prepaids$11,145.25
Your down payment is the seller’s equity. You take over the $262,564 balance, so the rest of the $387,500 price is paid at closing. A second mortgage can cover part of it. $136,081.60 is due at closing. Uses and sources reconcile at $398,645.25 each. Not a Closing Disclosure.