Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$132,428Cash toward the purchase price.
Closing costs + prepaids$11,628Not just lender fees.
Before credits & paid funds$144,056The complete starting cash picture.
Estimated remaining funds due at closing
$144,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,427.93
Your down payment$132,427.93
Closing costs + prepaids$11,628.15
Total buyer cash needed$144,056.08
Remaining funds due$144,056.08
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,087.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$786.25
Initial HOA (3 months)$393.00
Prepaid interest, first (29 days)$643.06
Fees + prepaids$11,628.15
Your down payment is the seller’s equity. You take over the $217,571 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $144,056.08 is due at closing. Uses and sources reconcile at $361,627.15 each. Not a Closing Disclosure.