Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$137,817Cash toward the purchase price.
Closing costs + prepaids$11,573Not just lender fees.
Before credits & paid funds$149,390The complete starting cash picture.
Estimated remaining funds due at closing
$149,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,816.81
Your down payment$137,816.81
Closing costs + prepaids$11,572.71
Total buyer cash needed$149,389.52
Remaining funds due$149,389.52
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,235.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$252.75
Initial HOA (3 months)$615.00
Prepaid interest, first (18 days)$401.05
Fees + prepaids$11,572.71
Your down payment is the seller’s equity. You take over the $247,183 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $149,389.52 is due at closing. Uses and sources reconcile at $396,572.71 each. Not a Closing Disclosure.