Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$125,559Cash toward the purchase price.
Closing costs + prepaids$11,159Not just lender fees.
Before credits & paid funds$136,718The complete starting cash picture.
Estimated remaining funds due at closing
$136,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,559.19
Your down payment$125,559.19
Closing costs + prepaids$11,158.56
Total buyer cash needed$136,717.75
Remaining funds due$136,717.75
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%)$3,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,262.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.25
Initial HOA (3 months)$42.00
Prepaid interest, first (18 days)$402.11
Fees + prepaids$11,158.56
Your down payment is the seller’s equity. You take over the $252,441 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $136,717.75 is due at closing. Uses and sources reconcile at $389,158.56 each. Not a Closing Disclosure.