Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$133,880Cash toward the purchase price.
Closing costs + prepaids$11,743Not just lender fees.
Before credits & paid funds$145,623The complete starting cash picture.
Estimated remaining funds due at closing
$145,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,879.53
Your down payment$133,879.53
Closing costs + prepaids$11,743.40
Total buyer cash needed$145,622.94
Remaining funds due$145,622.94
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%)$3,497.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,079.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,181.75
Initial HOA (3 months)$399.00
Prepaid interest, first (23 days)$368.55
Fees + prepaids$11,743.40
Your down payment is the seller’s equity. You take over the $215,820 balance, so the rest of the $349,700 price is paid at closing. A second mortgage can cover part of it. $145,622.94 is due at closing. Uses and sources reconcile at $361,443.40 each. Not a Closing Disclosure.