Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,671Cash toward the purchase price.
Closing costs + prepaids$12,011Not just lender fees.
Before credits & paid funds$144,681The complete starting cash picture.
Estimated remaining funds due at closing
$144,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,670.59
Your down payment$132,670.59
Closing costs + prepaids$12,010.86
Total buyer cash needed$144,681.45
Remaining funds due$144,681.45
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%)$3,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,221.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$818.00
Initial HOA (3 months)$441.00
Prepaid interest, first (27 days)$542.21
Fees + prepaids$12,010.86
Your down payment is the seller’s equity. You take over the $244,329 balance, so the rest of the $377,000 price is paid at closing. A second mortgage can cover part of it. $144,681.45 is due at closing. Uses and sources reconcile at $389,010.86 each. Not a Closing Disclosure.