Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$131,241Cash toward the purchase price.
Closing costs + prepaids$11,535Not just lender fees.
Before credits & paid funds$142,776The complete starting cash picture.
Estimated remaining funds due at closing
$142,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,240.75
Your down payment$131,240.75
Closing costs + prepaids$11,535.20
Total buyer cash needed$142,775.95
Remaining funds due$142,775.95
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,218.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.25
Initial HOA (3 months)$75.00
Prepaid interest, first (18 days)$337.65
Fees + prepaids$11,535.20
Your down payment is the seller’s equity. You take over the $243,659 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $142,775.95 is due at closing. Uses and sources reconcile at $386,435.20 each. Not a Closing Disclosure.