Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$130,994Cash toward the purchase price.
Closing costs + prepaids$10,809Not just lender fees.
Before credits & paid funds$141,803The complete starting cash picture.
Estimated remaining funds due at closing
$141,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,994.42
Your down payment$130,994.42
Closing costs + prepaids$10,808.86
Total buyer cash needed$141,803.28
Remaining funds due$141,803.28
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%)$3,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,215.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$448.75
Prepaid interest, first (10 days)$187.08
Fees + prepaids$10,808.86
Your down payment is the seller’s equity. You take over the $243,006 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $141,803.28 is due at closing. Uses and sources reconcile at $384,808.86 each. Not a Closing Disclosure.