Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$138,616Cash toward the purchase price.
Closing costs + prepaids$11,199Not just lender fees.
Before credits & paid funds$149,815The complete starting cash picture.
Estimated remaining funds due at closing
$149,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,616.25
Your down payment$138,616.25
Closing costs + prepaids$11,199.01
Total buyer cash needed$149,815.27
Remaining funds due$149,815.27
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%)$3,389.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,001.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$847.25
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$668.34
Fees + prepaids$11,199.01
Your down payment is the seller’s equity. You take over the $200,284 balance, so the rest of the $338,900 price is paid at closing. A second mortgage can cover part of it. $149,815.27 is due at closing. Uses and sources reconcile at $350,099.01 each. Not a Closing Disclosure.