Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$128,604Cash toward the purchase price.
Closing costs + prepaids$12,055Not just lender fees.
Before credits & paid funds$140,659The complete starting cash picture.
Estimated remaining funds due at closing
$140,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,604.14
Your down payment$128,604.14
Closing costs + prepaids$12,055.18
Total buyer cash needed$140,659.32
Remaining funds due$140,659.32
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%)$3,695.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,204.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,019.75
Initial HOA (3 months)$900.00
Prepaid interest, first (1 days)$17.95
Fees + prepaids$12,055.18
Your down payment is the seller’s equity. You take over the $240,896 balance, so the rest of the $369,500 price is paid at closing. A second mortgage can cover part of it. $140,659.32 is due at closing. Uses and sources reconcile at $381,555.18 each. Not a Closing Disclosure.