Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$136,595Cash toward the purchase price.
Closing costs + prepaids$12,846Not just lender fees.
Before credits & paid funds$149,441The complete starting cash picture.
Estimated remaining funds due at closing
$149,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,595.50
Your down payment$136,595.50
Closing costs + prepaids$12,845.69
Total buyer cash needed$149,441.19
Remaining funds due$149,441.19
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,142.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,260.75
Initial HOA (3 months)$1,182.00
Prepaid interest, first (23 days)$392.92
Fees + prepaids$12,845.69
Your down payment is the seller’s equity. You take over the $228,405 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $149,441.19 is due at closing. Uses and sources reconcile at $377,845.69 each. Not a Closing Disclosure.