Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$118,071Cash toward the purchase price.
Closing costs + prepaids$11,611Not just lender fees.
Before credits & paid funds$129,682The complete starting cash picture.
Estimated remaining funds due at closing
$129,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,070.92
Your down payment$118,070.92
Closing costs + prepaids$11,611.09
Total buyer cash needed$129,682.01
Remaining funds due$129,682.01
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%)$3,952.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,385.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$99.50
Initial HOA (3 months)$210.99
Prepaid interest, first (28 days)$744.21
Fees + prepaids$11,611.09
Your down payment is the seller’s equity. You take over the $277,179 balance, so the rest of the $395,250 price is paid at closing. A second mortgage can cover part of it. $129,682.01 is due at closing. Uses and sources reconcile at $406,861.09 each. Not a Closing Disclosure.