Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,107Cash toward the purchase price.
Closing costs + prepaids$12,086Not just lender fees.
Before credits & paid funds$144,193The complete starting cash picture.
Estimated remaining funds due at closing
$144,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,106.73
Your down payment$132,106.73
Closing costs + prepaids$12,086.14
Total buyer cash needed$144,192.87
Remaining funds due$144,192.87
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,289.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$917.50
Prepaid interest, first (27 days)$761.17
Fees + prepaids$12,086.14
Your down payment is the seller’s equity. You take over the $257,893 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $144,192.87 is due at closing. Uses and sources reconcile at $402,086.14 each. Not a Closing Disclosure.