Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$140,980Cash toward the purchase price.
Closing costs + prepaids$10,858Not just lender fees.
Before credits & paid funds$151,839The complete starting cash picture.
Estimated remaining funds due at closing
$151,839No 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$10,858.45
Total buyer cash needed$151,838.56
Remaining funds due$151,838.56
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)$455.50
Prepaid interest, first (10 days)$197.35
Fees + prepaids$10,858.45
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. $151,838.56 is due at closing. Uses and sources reconcile at $390,358.45 each. Not a Closing Disclosure.