Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$129,250Cash toward the purchase price.
Closing costs + prepaids$12,009Not just lender fees.
Before credits & paid funds$141,259The complete starting cash picture.
Estimated remaining funds due at closing
$141,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,249.74
Your down payment$129,249.74
Closing costs + prepaids$12,009.43
Total buyer cash needed$141,259.17
Remaining funds due$141,259.17
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%)$3,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,253.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,181.25
Initial HOA (3 months)$53.76
Prepaid interest, first (27 days)$502.67
Fees + prepaids$12,009.43
Your down payment is the seller’s equity. You take over the $250,750 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $141,259.17 is due at closing. Uses and sources reconcile at $392,009.43 each. Not a Closing Disclosure.