Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$124,197Cash toward the purchase price.
Closing costs + prepaids$12,453Not just lender fees.
Before credits & paid funds$136,650The complete starting cash picture.
Estimated remaining funds due at closing
$136,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,196.76
Your down payment$124,196.76
Closing costs + prepaids$12,453.17
Total buyer cash needed$136,649.93
Remaining funds due$136,649.93
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$786.25
Initial HOA (3 months)$675.00
Prepaid interest, first (27 days)$546.40
Fees + prepaids$12,453.17
Your down payment is the seller’s equity. You take over the $265,703 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $136,649.93 is due at closing. Uses and sources reconcile at $402,353.17 each. Not a Closing Disclosure.