Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$129,654Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$141,357The complete starting cash picture.
Estimated remaining funds due at closing
$141,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,653.61
Your down payment$129,653.61
Closing costs + prepaids$11,703.06
Total buyer cash needed$141,356.67
Remaining funds due$141,356.67
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,151.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$465.00
Prepaid interest, first (30 days)$1,269.82
Fees + prepaids$11,703.06
Your down payment is the seller’s equity. You take over the $230,246 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $141,356.67 is due at closing. Uses and sources reconcile at $371,603.06 each. Not a Closing Disclosure.