Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$138,510Cash toward the purchase price.
Closing costs + prepaids$11,429Not just lender fees.
Before credits & paid funds$149,939The complete starting cash picture.
Estimated remaining funds due at closing
$149,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,509.88
Your down payment$138,509.88
Closing costs + prepaids$11,428.79
Total buyer cash needed$149,938.67
Remaining funds due$149,938.67
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%)$1,132.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$445.00
Prepaid interest, first (23 days)$983.34
Fees + prepaids$11,428.79
Your down payment is the seller’s equity. You take over the $226,490 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $149,938.67 is due at closing. Uses and sources reconcile at $376,428.79 each. Not a Closing Disclosure.