Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$136,940Cash toward the purchase price.
Closing costs + prepaids$11,598Not just lender fees.
Before credits & paid funds$148,538The complete starting cash picture.
Estimated remaining funds due at closing
$148,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,939.74
Your down payment$136,939.74
Closing costs + prepaids$11,597.79
Total buyer cash needed$148,537.53
Remaining funds due$148,537.53
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%)$1,140.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$874.75
Prepaid interest, first (31 days)$714.73
Fees + prepaids$11,597.79
Your down payment is the seller’s equity. You take over the $228,060 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $148,537.53 is due at closing. Uses and sources reconcile at $376,597.79 each. Not a Closing Disclosure.