Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$114,822Cash toward the purchase price.
Closing costs + prepaids$12,036Not just lender fees.
Before credits & paid funds$126,858The complete starting cash picture.
Estimated remaining funds due at closing
$126,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,822.13
Your down payment$114,822.13
Closing costs + prepaids$12,036.34
Total buyer cash needed$126,858.47
Remaining funds due$126,858.47
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,225.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$841.50
Initial HOA (3 months)$696.00
Prepaid interest, first (22 days)$456.45
Fees + prepaids$12,036.34
Your down payment is the seller’s equity. You take over the $245,078 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $126,858.47 is due at closing. Uses and sources reconcile at $371,936.34 each. Not a Closing Disclosure.