Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$140,980Cash toward the purchase price.
Closing costs + prepaids$10,899Not just lender fees.
Before credits & paid funds$151,879The complete starting cash picture.
Estimated remaining funds due at closing
$151,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,980.11
Your down payment$140,980.11
Closing costs + prepaids$10,898.80
Total buyer cash needed$151,878.91
Remaining funds due$151,878.91
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%)$3,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,192.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.50
Prepaid interest, first (20 days)$394.70
Fees + prepaids$10,898.80
Your down payment is the seller’s equity. You take over the $238,520 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $151,878.91 is due at closing. Uses and sources reconcile at $390,398.80 each. Not a Closing Disclosure.