Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,948Cash toward the purchase price.
Closing costs + prepaids$11,809Not just lender fees.
Before credits & paid funds$142,757The complete starting cash picture.
Estimated remaining funds due at closing
$142,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,948.35
Your down payment$130,948.35
Closing costs + prepaids$11,809.10
Total buyer cash needed$142,757.45
Remaining funds due$142,757.45
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%)$3,579.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,134.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$769.50
Initial HOA (3 months)$690.00
Prepaid interest, first (24 days)$417.84
Fees + prepaids$11,809.10
Your down payment is the seller’s equity. You take over the $226,952 balance, so the rest of the $357,900 price is paid at closing. A second mortgage can cover part of it. $142,757.45 is due at closing. Uses and sources reconcile at $369,709.10 each. Not a Closing Disclosure.