Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$127,385Cash toward the purchase price.
Closing costs + prepaids$10,962Not just lender fees.
Before credits & paid funds$138,346The complete starting cash picture.
Estimated remaining funds due at closing
$138,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,384.77
Your down payment$127,384.77
Closing costs + prepaids$10,961.63
Total buyer cash needed$138,346.40
Remaining funds due$138,346.40
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%)$3,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,187.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1.00
Initial HOA (3 months)$138.00
Prepaid interest, first (29 days)$768.05
Fees + prepaids$10,961.63
Your down payment is the seller’s equity. You take over the $237,515 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $138,346.40 is due at closing. Uses and sources reconcile at $375,861.63 each. Not a Closing Disclosure.