Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$136,100Cash toward the purchase price.
Closing costs + prepaids$12,402Not just lender fees.
Before credits & paid funds$148,502The complete starting cash picture.
Estimated remaining funds due at closing
$148,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,099.82
Your down payment$136,099.82
Closing costs + prepaids$12,402.31
Total buyer cash needed$148,502.12
Remaining funds due$148,502.12
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%)$1,119.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,525.25
Initial HOA (3 months)$114.99
Prepaid interest, first (26 days)$824.57
Fees + prepaids$12,402.31
Your down payment is the seller’s equity. You take over the $223,900 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $148,502.12 is due at closing. Uses and sources reconcile at $372,402.31 each. Not a Closing Disclosure.