Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$139,338Cash toward the purchase price.
Closing costs + prepaids$13,061Not just lender fees.
Before credits & paid funds$152,400The complete starting cash picture.
Estimated remaining funds due at closing
$152,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,338.17
Your down payment$139,338.17
Closing costs + prepaids$13,061.47
Total buyer cash needed$152,399.64
Remaining funds due$152,399.64
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%)$1,128.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,621.75
Prepaid interest, first (22 days)$443.41
Fees + prepaids$13,061.47
Your down payment is the seller’s equity. You take over the $225,662 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $152,399.64 is due at closing. Uses and sources reconcile at $378,061.47 each. Not a Closing Disclosure.