Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$128,938Cash toward the purchase price.
Closing costs + prepaids$10,766Not just lender fees.
Before credits & paid funds$139,704The complete starting cash picture.
Estimated remaining funds due at closing
$139,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,937.61
Your down payment$128,937.61
Closing costs + prepaids$10,766.02
Total buyer cash needed$139,703.63
Remaining funds due$139,703.63
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,104.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.00
Initial HOA (3 months)$276.00
Prepaid interest, first (10 days)$248.20
Fees + prepaids$10,766.02
Your down payment is the seller’s equity. You take over the $220,962 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $139,703.63 is due at closing. Uses and sources reconcile at $360,666.02 each. Not a Closing Disclosure.