Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$138,104Cash toward the purchase price.
Closing costs + prepaids$10,973Not just lender fees.
Before credits & paid funds$149,077The complete starting cash picture.
Estimated remaining funds due at closing
$149,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,103.57
Your down payment$138,103.57
Closing costs + prepaids$10,973.23
Total buyer cash needed$149,076.81
Remaining funds due$149,076.81
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%)$1,134.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$349.00
Initial HOA (3 months)$276.00
Prepaid interest, first (18 days)$345.75
Fees + prepaids$10,973.23
Your down payment is the seller’s equity. You take over the $226,896 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $149,076.81 is due at closing. Uses and sources reconcile at $375,973.23 each. Not a Closing Disclosure.