Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$128,984Cash toward the purchase price.
Closing costs + prepaids$13,501Not just lender fees.
Before credits & paid funds$142,484The complete starting cash picture.
Estimated remaining funds due at closing
$142,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,983.60
Your down payment$128,983.60
Closing costs + prepaids$13,500.69
Total buyer cash needed$142,484.28
Remaining funds due$142,484.28
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%)$3,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,129.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,969.00
Prepaid interest, first (31 days)$635.10
Fees + prepaids$13,500.69
Your down payment is the seller’s equity. You take over the $225,916 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $142,484.28 is due at closing. Uses and sources reconcile at $368,400.69 each. Not a Closing Disclosure.