Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$130,917Cash toward the purchase price.
Closing costs + prepaids$12,250Not just lender fees.
Before credits & paid funds$143,167The complete starting cash picture.
Estimated remaining funds due at closing
$143,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,916.99
Your down payment$130,916.99
Closing costs + prepaids$12,249.61
Total buyer cash needed$143,166.59
Remaining funds due$143,166.59
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%)$1,320.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,200.00
Initial HOA (3 months)$9.51
Prepaid interest, first (25 days)$551.68
Fees + prepaids$12,249.61
Your down payment is the seller’s equity. You take over the $264,083 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $143,166.59 is due at closing. Uses and sources reconcile at $407,249.61 each. Not a Closing Disclosure.