Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$135,333Cash toward the purchase price.
Closing costs + prepaids$11,472Not just lender fees.
Before credits & paid funds$146,805The complete starting cash picture.
Estimated remaining funds due at closing
$146,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,333.25
Your down payment$135,333.25
Closing costs + prepaids$11,472.09
Total buyer cash needed$146,805.34
Remaining funds due$146,805.34
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,073.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$668.25
Initial HOA (3 months)$540.00
Prepaid interest, first (26 days)$472.50
Fees + prepaids$11,472.09
Your down payment is the seller’s equity. You take over the $214,667 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $146,805.34 is due at closing. Uses and sources reconcile at $361,472.09 each. Not a Closing Disclosure.