Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$138,922Cash toward the purchase price.
Closing costs + prepaids$12,592Not just lender fees.
Before credits & paid funds$151,514The complete starting cash picture.
Estimated remaining funds due at closing
$151,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,921.99
Your down payment$138,921.99
Closing costs + prepaids$12,592.15
Total buyer cash needed$151,514.14
Remaining funds due$151,514.14
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,105.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,485.75
Initial HOA (3 months)$744.00
Prepaid interest, first (24 days)$439.01
Fees + prepaids$12,592.15
Your down payment is the seller’s equity. You take over the $221,078 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $151,514.14 is due at closing. Uses and sources reconcile at $372,592.15 each. Not a Closing Disclosure.