Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$140,349Cash toward the purchase price.
Closing costs + prepaids$11,550Not just lender fees.
Before credits & paid funds$151,899The complete starting cash picture.
Estimated remaining funds due at closing
$151,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,348.96
Your down payment$140,348.96
Closing costs + prepaids$11,549.68
Total buyer cash needed$151,898.63
Remaining funds due$151,898.63
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%)$3,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,072.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$990.25
Initial HOA (3 months)$133.74
Prepaid interest, first (28 days)$585.93
Fees + prepaids$11,549.68
Your down payment is the seller’s equity. You take over the $214,551 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $151,898.63 is due at closing. Uses and sources reconcile at $366,449.68 each. Not a Closing Disclosure.