Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$123,214Cash toward the purchase price.
Closing costs + prepaids$11,316Not just lender fees.
Before credits & paid funds$134,530The complete starting cash picture.
Estimated remaining funds due at closing
$134,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,214.35
Your down payment$123,214.35
Closing costs + prepaids$11,316.11
Total buyer cash needed$134,530.46
Remaining funds due$134,530.46
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%)$3,477.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,122.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$811.00
Initial HOA (3 months)$171.00
Prepaid interest, first (31 days)$516.69
Fees + prepaids$11,316.11
Your down payment is the seller’s equity. You take over the $224,486 balance, so the rest of the $347,700 price is paid at closing. A second mortgage can cover part of it. $134,530.46 is due at closing. Uses and sources reconcile at $359,016.11 each. Not a Closing Disclosure.