Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$139,310Cash toward the purchase price.
Closing costs + prepaids$10,335Not just lender fees.
Before credits & paid funds$149,645The complete starting cash picture.
Estimated remaining funds due at closing
$149,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,310.27
Your down payment$139,310.27
Closing costs + prepaids$10,335.14
Total buyer cash needed$149,645.40
Remaining funds due$149,645.40
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%)$1,128.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$315.50
Prepaid interest, first (1 days)$23.19
Fees + prepaids$10,335.14
Your down payment is the seller’s equity. You take over the $225,690 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $149,645.40 is due at closing. Uses and sources reconcile at $375,335.14 each. Not a Closing Disclosure.