Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$119,213Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$130,795The complete starting cash picture.
Estimated remaining funds due at closing
$130,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,213.19
Your down payment$119,213.19
Closing costs + prepaids$11,581.59
Total buyer cash needed$130,794.78
Remaining funds due$130,794.78
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$560.75
Prepaid interest, first (28 days)$623.91
Fees + prepaids$11,581.59
Your down payment is the seller’s equity. You take over the $265,787 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $130,794.78 is due at closing. Uses and sources reconcile at $396,581.59 each. Not a Closing Disclosure.