Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$124,971Cash toward the purchase price.
Closing costs + prepaids$10,804Not just lender fees.
Before credits & paid funds$135,775The complete starting cash picture.
Estimated remaining funds due at closing
$135,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,970.61
Your down payment$124,970.61
Closing costs + prepaids$10,804.18
Total buyer cash needed$135,774.79
Remaining funds due$135,774.79
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%)$1,265.15
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 (2 days)$44.78
Fees + prepaids$10,804.18
Your down payment is the seller’s equity. You take over the $253,029 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $135,774.79 is due at closing. Uses and sources reconcile at $388,804.18 each. Not a Closing Disclosure.