Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$141,464Cash toward the purchase price.
Closing costs + prepaids$10,824Not just lender fees.
Before credits & paid funds$152,289The complete starting cash picture.
Estimated remaining funds due at closing
$152,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,464.15
Your down payment$141,464.15
Closing costs + prepaids$10,824.37
Total buyer cash needed$152,288.52
Remaining funds due$152,288.52
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,037.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$418.75
Initial HOA (3 months)$510.00
Prepaid interest, first (9 days)$149.94
Fees + prepaids$10,824.37
Your down payment is the seller’s equity. You take over the $207,536 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $152,288.52 is due at closing. Uses and sources reconcile at $359,824.37 each. Not a Closing Disclosure.