Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$145,512Cash toward the purchase price.
Closing costs + prepaids$11,017Not just lender fees.
Before credits & paid funds$156,529The complete starting cash picture.
Estimated remaining funds due at closing
$156,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,511.99
Your down payment$145,511.99
Closing costs + prepaids$11,016.93
Total buyer cash needed$156,528.92
Remaining funds due$156,528.92
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,071.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Prepaid interest, first (17 days)$677.99
Fees + prepaids$11,016.93
Your down payment is the seller’s equity. You take over the $214,388 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $156,528.92 is due at closing. Uses and sources reconcile at $370,916.93 each. Not a Closing Disclosure.