Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,465Cash toward the purchase price.
Closing costs + prepaids$12,734Not just lender fees.
Before credits & paid funds$135,199The complete starting cash picture.
Estimated remaining funds due at closing
$135,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,465.06
Your down payment$122,465.06
Closing costs + prepaids$12,733.83
Total buyer cash needed$135,198.90
Remaining funds due$135,198.90
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%)$1,287.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,755.75
Initial HOA (3 months)$43.74
Prepaid interest, first (27 days)$628.67
Fees + prepaids$12,733.83
Your down payment is the seller’s equity. You take over the $257,535 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $135,198.90 is due at closing. Uses and sources reconcile at $392,733.83 each. Not a Closing Disclosure.