Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,531Cash toward the purchase price.
Closing costs + prepaids$11,486Not just lender fees.
Before credits & paid funds$137,017The complete starting cash picture.
Estimated remaining funds due at closing
$137,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,531.39
Your down payment$125,531.39
Closing costs + prepaids$11,485.67
Total buyer cash needed$137,017.06
Remaining funds due$137,017.06
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,121.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,134.25
Initial HOA (3 months)$31.26
Prepaid interest, first (27 days)$481.32
Fees + prepaids$11,485.67
Your down payment is the seller’s equity. You take over the $224,369 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $137,017.06 is due at closing. Uses and sources reconcile at $361,385.67 each. Not a Closing Disclosure.