Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$137,589Cash toward the purchase price.
Closing costs + prepaids$11,097Not just lender fees.
Before credits & paid funds$148,686The complete starting cash picture.
Estimated remaining funds due at closing
$148,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,589.39
Your down payment$137,589.39
Closing costs + prepaids$11,096.72
Total buyer cash needed$148,686.10
Remaining funds due$148,686.10
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,036.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.00
Initial HOA (3 months)$339.00
Prepaid interest, first (17 days)$640.16
Fees + prepaids$11,096.72
Your down payment is the seller’s equity. You take over the $207,311 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $148,686.10 is due at closing. Uses and sources reconcile at $355,996.72 each. Not a Closing Disclosure.