Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$134,526Cash toward the purchase price.
Closing costs + prepaids$11,259Not just lender fees.
Before credits & paid funds$145,786The complete starting cash picture.
Estimated remaining funds due at closing
$145,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,526.39
Your down payment$134,526.39
Closing costs + prepaids$11,259.13
Total buyer cash needed$145,785.52
Remaining funds due$145,785.52
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%)$1,302.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$465.00
Initial HOA (3 months)$294.00
Prepaid interest, first (1 days)$29.76
Fees + prepaids$11,259.13
Your down payment is the seller’s equity. You take over the $260,474 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $145,785.52 is due at closing. Uses and sources reconcile at $406,259.13 each. Not a Closing Disclosure.