Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$141,115Cash toward the purchase price.
Closing costs + prepaids$10,790Not just lender fees.
Before credits & paid funds$151,905The complete starting cash picture.
Estimated remaining funds due at closing
$151,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,114.58
Your down payment$141,114.58
Closing costs + prepaids$10,790.36
Total buyer cash needed$151,904.94
Remaining funds due$151,904.94
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%)$1,119.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.25
Prepaid interest, first (18 days)$346.69
Fees + prepaids$10,790.36
Your down payment is the seller’s equity. You take over the $223,885 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $151,904.94 is due at closing. Uses and sources reconcile at $375,790.36 each. Not a Closing Disclosure.