Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,877Cash toward the purchase price.
Closing costs + prepaids$13,069Not just lender fees.
Before credits & paid funds$142,946The complete starting cash picture.
Estimated remaining funds due at closing
$142,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,876.95
Your down payment$129,876.95
Closing costs + prepaids$13,068.61
Total buyer cash needed$142,945.56
Remaining funds due$142,945.56
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%)$1,175.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.50
Initial HOA (3 months)$1,575.00
Prepaid interest, first (28 days)$537.50
Fees + prepaids$13,068.61
Your down payment is the seller’s equity. You take over the $235,123 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $142,945.56 is due at closing. Uses and sources reconcile at $378,068.61 each. Not a Closing Disclosure.