Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$122,852Cash toward the purchase price.
Closing costs + prepaids$10,885Not just lender fees.
Before credits & paid funds$133,736The complete starting cash picture.
Estimated remaining funds due at closing
$133,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,851.69
Your down payment$122,851.69
Closing costs + prepaids$10,884.64
Total buyer cash needed$133,736.33
Remaining funds due$133,736.33
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,160.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$458.00
Initial HOA (3 months)$41.49
Prepaid interest, first (24 days)$456.41
Fees + prepaids$10,884.64
Your down payment is the seller’s equity. You take over the $232,148 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $133,736.33 is due at closing. Uses and sources reconcile at $365,884.64 each. Not a Closing Disclosure.