Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,537Cash toward the purchase price.
Closing costs + prepaids$11,386Not just lender fees.
Before credits & paid funds$133,923The complete starting cash picture.
Estimated remaining funds due at closing
$133,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,537.40
Your down payment$122,537.40
Closing costs + prepaids$11,385.56
Total buyer cash needed$133,922.96
Remaining funds due$133,922.96
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%)$1,186.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$776.75
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$530.00
Fees + prepaids$11,385.56
Your down payment is the seller’s equity. You take over the $237,363 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $133,922.96 is due at closing. Uses and sources reconcile at $371,285.56 each. Not a Closing Disclosure.