Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$128,237Cash toward the purchase price.
Closing costs + prepaids$10,808Not just lender fees.
Before credits & paid funds$139,046The complete starting cash picture.
Estimated remaining funds due at closing
$139,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,237.21
Your down payment$128,237.21
Closing costs + prepaids$10,808.34
Total buyer cash needed$139,045.55
Remaining funds due$139,045.55
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%)$3,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,208.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$149.00
Prepaid interest, first (30 days)$532.54
Fees + prepaids$10,808.34
Your down payment is the seller’s equity. You take over the $241,762 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $139,045.55 is due at closing. Uses and sources reconcile at $380,807.34 each. Not a Closing Disclosure.