Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$145,512Cash toward the purchase price.
Closing costs + prepaids$11,241Not just lender fees.
Before credits & paid funds$156,753The complete starting cash picture.
Estimated remaining funds due at closing
$156,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,511.99
Your down payment$145,511.99
Closing costs + prepaids$11,241.39
Total buyer cash needed$156,753.37
Remaining funds due$156,753.37
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,071.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$235.75
Prepaid interest, first (28 days)$1,116.70
Fees + prepaids$11,241.39
Your down payment is the seller’s equity. You take over the $214,388 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $156,753.37 is due at closing. Uses and sources reconcile at $371,141.39 each. Not a Closing Disclosure.