Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$144,717Cash toward the purchase price.
Closing costs + prepaids$12,066Not just lender fees.
Before credits & paid funds$156,783The complete starting cash picture.
Estimated remaining funds due at closing
$156,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,716.73
Your down payment$144,716.73
Closing costs + prepaids$12,066.23
Total buyer cash needed$156,782.96
Remaining funds due$156,782.96
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%)$3,588.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,070.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,809.50
Initial HOA (3 months)$33.00
Prepaid interest, first (22 days)$345.96
Fees + prepaids$12,066.23
Your down payment is the seller’s equity. You take over the $214,173 balance, so the rest of the $358,890 price is paid at closing. A second mortgage can cover part of it. $156,782.96 is due at closing. Uses and sources reconcile at $370,956.23 each. Not a Closing Disclosure.