Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$123,781Cash toward the purchase price.
Closing costs + prepaids$11,760Not just lender fees.
Before credits & paid funds$135,541The complete starting cash picture.
Estimated remaining funds due at closing
$135,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,781.46
Your down payment$123,781.46
Closing costs + prepaids$11,759.82
Total buyer cash needed$135,541.28
Remaining funds due$135,541.28
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%)$1,356.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$590.75
Prepaid interest, first (28 days)$644.98
Fees + prepaids$11,759.82
Your down payment is the seller’s equity. You take over the $271,219 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $135,541.28 is due at closing. Uses and sources reconcile at $406,759.82 each. Not a Closing Disclosure.