Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,327Cash toward the purchase price.
Closing costs + prepaids$11,796Not just lender fees.
Before credits & paid funds$150,124The complete starting cash picture.
Estimated remaining funds due at closing
$150,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,327.38
Your down payment$138,327.38
Closing costs + prepaids$11,796.40
Total buyer cash needed$150,123.78
Remaining funds due$150,123.78
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%)$3,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$998.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$888.25
Initial HOA (3 months)$819.99
Prepaid interest, first (31 days)$491.80
Fees + prepaids$11,796.40
Your down payment is the seller’s equity. You take over the $199,673 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $150,123.78 is due at closing. Uses and sources reconcile at $349,796.40 each. Not a Closing Disclosure.