Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,295Cash toward the purchase price.
Closing costs + prepaids$10,489Not just lender fees.
Before credits & paid funds$148,784The complete starting cash picture.
Estimated remaining funds due at closing
$148,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,294.55
Your down payment$138,294.55
Closing costs + prepaids$10,489.32
Total buyer cash needed$148,783.87
Remaining funds due$148,783.87
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%)$1,133.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$445.00
Prepaid interest, first (1 days)$42.79
Fees + prepaids$10,489.32
Your down payment is the seller’s equity. You take over the $226,705 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $148,783.87 is due at closing. Uses and sources reconcile at $375,489.32 each. Not a Closing Disclosure.