Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$128,326Cash toward the purchase price.
Closing costs + prepaids$10,974Not just lender fees.
Before credits & paid funds$139,301The complete starting cash picture.
Estimated remaining funds due at closing
$139,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,326.34
Your down payment$128,326.34
Closing costs + prepaids$10,974.29
Total buyer cash needed$139,300.63
Remaining funds due$139,300.63
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,208.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$198.00
Prepaid interest, first (10 days)$205.92
Fees + prepaids$10,974.29
Your down payment is the seller’s equity. You take over the $241,674 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $139,300.63 is due at closing. Uses and sources reconcile at $380,974.29 each. Not a Closing Disclosure.