Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$114,885Cash toward the purchase price.
Closing costs + prepaids$11,051Not just lender fees.
Before credits & paid funds$125,936The complete starting cash picture.
Estimated remaining funds due at closing
$125,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,884.81
Your down payment$114,884.81
Closing costs + prepaids$11,051.20
Total buyer cash needed$125,936.01
Remaining funds due$125,936.01
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%)$3,739.05
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,295.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.75
Initial HOA (3 months)$276.00
Prepaid interest, first (2 days)$42.29
Fees + prepaids$11,051.20
Your down payment is the seller’s equity. You take over the $259,020 balance, so the rest of the $373,905 price is paid at closing. A second mortgage can cover part of it. $125,936.01 is due at closing. Uses and sources reconcile at $384,956.20 each. Not a Closing Disclosure.