Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$127,727Cash toward the purchase price.
Closing costs + prepaids$11,352Not just lender fees.
Before credits & paid funds$139,079The complete starting cash picture.
Estimated remaining funds due at closing
$139,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,726.74
Your down payment$127,726.74
Closing costs + prepaids$11,351.90
Total buyer cash needed$139,078.64
Remaining funds due$139,078.64
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%)$1,336.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.75
Prepaid interest, first (22 days)$497.79
Fees + prepaids$11,351.90
Your down payment is the seller’s equity. You take over the $267,273 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $139,078.64 is due at closing. Uses and sources reconcile at $406,351.90 each. Not a Closing Disclosure.