Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$134,286Cash toward the purchase price.
Closing costs + prepaids$11,432Not just lender fees.
Before credits & paid funds$145,718The complete starting cash picture.
Estimated remaining funds due at closing
$145,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,285.68
Your down payment$134,285.68
Closing costs + prepaids$11,432.46
Total buyer cash needed$145,718.13
Remaining funds due$145,718.13
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,253.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$981.75
Prepaid interest, first (5 days)$129.14
Fees + prepaids$11,432.46
Your down payment is the seller’s equity. You take over the $250,714 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $145,718.13 is due at closing. Uses and sources reconcile at $396,432.46 each. Not a Closing Disclosure.