Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$127,541Cash toward the purchase price.
Closing costs + prepaids$13,350Not just lender fees.
Before credits & paid funds$140,891The complete starting cash picture.
Estimated remaining funds due at closing
$140,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,540.56
Your down payment$127,540.56
Closing costs + prepaids$13,350.41
Total buyer cash needed$140,890.96
Remaining funds due$140,890.96
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%)$3,524.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,124.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,459.25
Prepaid interest, first (30 days)$1,024.11
Fees + prepaids$13,350.41
Your down payment is the seller’s equity. You take over the $224,909 balance, so the rest of the $352,450 price is paid at closing. A second mortgage can cover part of it. $140,890.96 is due at closing. Uses and sources reconcile at $365,800.41 each. Not a Closing Disclosure.