Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$122,430Cash toward the purchase price.
Closing costs + prepaids$11,768Not just lender fees.
Before credits & paid funds$134,198The complete starting cash picture.
Estimated remaining funds due at closing
$134,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,429.86
Your down payment$122,429.86
Closing costs + prepaids$11,767.98
Total buyer cash needed$134,197.84
Remaining funds due$134,197.84
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%)$3,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,157.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,104.50
Initial HOA (3 months)$180.00
Prepaid interest, first (23 days)$567.63
Fees + prepaids$11,767.98
Your down payment is the seller’s equity. You take over the $231,570 balance, so the rest of the $354,000 price is paid at closing. A second mortgage can cover part of it. $134,197.84 is due at closing. Uses and sources reconcile at $365,767.98 each. Not a Closing Disclosure.