Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$135,591Cash toward the purchase price.
Closing costs + prepaids$11,132Not just lender fees.
Before credits & paid funds$146,723The complete starting cash picture.
Estimated remaining funds due at closing
$146,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,590.86
Your down payment$135,590.86
Closing costs + prepaids$11,131.83
Total buyer cash needed$146,722.69
Remaining funds due$146,722.69
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%)$3,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,042.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$860.00
Initial HOA (3 months)$50.76
Prepaid interest, first (25 days)$521.02
Fees + prepaids$11,131.83
Your down payment is the seller’s equity. You take over the $208,409 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $146,722.69 is due at closing. Uses and sources reconcile at $355,131.83 each. Not a Closing Disclosure.