Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$121,876Cash toward the purchase price.
Closing costs + prepaids$11,817Not just lender fees.
Before credits & paid funds$133,693The complete starting cash picture.
Estimated remaining funds due at closing
$133,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,875.88
Your down payment$121,875.88
Closing costs + prepaids$11,816.85
Total buyer cash needed$133,692.73
Remaining funds due$133,692.73
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%)$3,849.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,315.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$962.50
Initial HOA (3 months)$16.74
Prepaid interest, first (28 days)$454.14
Fees + prepaids$11,816.85
Your down payment is the seller’s equity. You take over the $263,114 balance, so the rest of the $384,990 price is paid at closing. A second mortgage can cover part of it. $133,692.73 is due at closing. Uses and sources reconcile at $396,806.85 each. Not a Closing Disclosure.