Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$136,363Cash toward the purchase price.
Closing costs + prepaids$10,850Not just lender fees.
Before credits & paid funds$147,213The complete starting cash picture.
Estimated remaining funds due at closing
$147,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,363.04
Your down payment$136,363.04
Closing costs + prepaids$10,850.25
Total buyer cash needed$147,213.29
Remaining funds due$147,213.29
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%)$3,905.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,270.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$13.74
Prepaid interest, first (24 days)$442.82
Fees + prepaids$10,850.25
Your down payment is the seller’s equity. You take over the $254,137 balance, so the rest of the $390,500 price is paid at closing. A second mortgage can cover part of it. $147,213.29 is due at closing. Uses and sources reconcile at $401,350.25 each. Not a Closing Disclosure.