Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$138,104Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$149,192The complete starting cash picture.
Estimated remaining funds due at closing
$149,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,103.57
Your down payment$138,103.57
Closing costs + prepaids$11,088.49
Total buyer cash needed$149,192.06
Remaining funds due$149,192.06
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,134.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.00
Initial HOA (3 months)$276.00
Prepaid interest, first (24 days)$461.00
Fees + prepaids$11,088.49
Your down payment is the seller’s equity. You take over the $226,896 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $149,192.06 is due at closing. Uses and sources reconcile at $376,088.49 each. Not a Closing Disclosure.