Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$111,366Cash toward the purchase price.
Closing costs + prepaids$11,851Not just lender fees.
Before credits & paid funds$123,217The complete starting cash picture.
Estimated remaining funds due at closing
$123,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,365.75
Your down payment$111,365.75
Closing costs + prepaids$11,850.89
Total buyer cash needed$123,216.64
Remaining funds due$123,216.64
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,393.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$496.00
Initial HOA (3 months)$375.00
Prepaid interest, first (20 days)$468.72
Fees + prepaids$11,850.89
Your down payment is the seller’s equity. You take over the $278,634 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $123,216.64 is due at closing. Uses and sources reconcile at $401,850.89 each. Not a Closing Disclosure.