Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$125,376Cash toward the purchase price.
Closing costs + prepaids$11,568Not just lender fees.
Before credits & paid funds$136,944The complete starting cash picture.
Estimated remaining funds due at closing
$136,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,375.75
Your down payment$125,375.75
Closing costs + prepaids$11,567.77
Total buyer cash needed$136,943.52
Remaining funds due$136,943.52
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,298.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.00
Initial HOA (3 months)$570.00
Prepaid interest, first (9 days)$169.64
Fees + prepaids$11,567.77
Your down payment is the seller’s equity. You take over the $259,624 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $136,943.52 is due at closing. Uses and sources reconcile at $396,567.77 each. Not a Closing Disclosure.