Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$138,935Cash toward the purchase price.
Closing costs + prepaids$11,635Not just lender fees.
Before credits & paid funds$150,569The complete starting cash picture.
Estimated remaining funds due at closing
$150,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,934.55
Your down payment$138,934.55
Closing costs + prepaids$11,634.72
Total buyer cash needed$150,569.26
Remaining funds due$150,569.26
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,204.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$893.00
Prepaid interest, first (25 days)$519.89
Fees + prepaids$11,634.72
Your down payment is the seller’s equity. You take over the $240,965 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $150,569.26 is due at closing. Uses and sources reconcile at $391,534.72 each. Not a Closing Disclosure.