Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$122,146Cash toward the purchase price.
Closing costs + prepaids$12,333Not just lender fees.
Before credits & paid funds$134,478The complete starting cash picture.
Estimated remaining funds due at closing
$134,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,145.64
Your down payment$122,145.64
Closing costs + prepaids$12,332.76
Total buyer cash needed$134,478.40
Remaining funds due$134,478.40
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,263.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.25
Initial HOA (3 months)$807.00
Prepaid interest, first (18 days)$357.73
Fees + prepaids$12,332.76
Your down payment is the seller’s equity. You take over the $252,754 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $134,478.40 is due at closing. Uses and sources reconcile at $387,232.76 each. Not a Closing Disclosure.