Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$133,955Cash toward the purchase price.
Closing costs + prepaids$11,296Not just lender fees.
Before credits & paid funds$145,251The complete starting cash picture.
Estimated remaining funds due at closing
$145,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,955.24
Your down payment$133,955.24
Closing costs + prepaids$11,296.00
Total buyer cash needed$145,251.24
Remaining funds due$145,251.24
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,079.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.75
Initial HOA (3 months)$585.00
Prepaid interest, first (31 days)$502.53
Fees + prepaids$11,296.00
Your down payment is the seller’s equity. You take over the $215,945 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $145,251.24 is due at closing. Uses and sources reconcile at $361,196.00 each. Not a Closing Disclosure.