Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$137,589Cash toward the purchase price.
Closing costs + prepaids$11,601Not just lender fees.
Before credits & paid funds$149,190The complete starting cash picture.
Estimated remaining funds due at closing
$149,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,589.39
Your down payment$137,589.39
Closing costs + prepaids$11,600.91
Total buyer cash needed$149,190.30
Remaining funds due$149,190.30
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,036.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$391.00
Initial HOA (3 months)$339.00
Prepaid interest, first (31 days)$1,167.36
Fees + prepaids$11,600.91
Your down payment is the seller’s equity. You take over the $207,311 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $149,190.30 is due at closing. Uses and sources reconcile at $356,500.91 each. Not a Closing Disclosure.