Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$142,593Cash toward the purchase price.
Closing costs + prepaids$10,811Not just lender fees.
Before credits & paid funds$153,405The complete starting cash picture.
Estimated remaining funds due at closing
$153,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,593.45
Your down payment$142,593.45
Closing costs + prepaids$10,811.12
Total buyer cash needed$153,404.58
Remaining funds due$153,404.58
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,062.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$464.50
Initial HOA (3 months)$207.00
Prepaid interest, first (19 days)$309.59
Fees + prepaids$10,811.12
Your down payment is the seller’s equity. You take over the $212,407 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $153,404.58 is due at closing. Uses and sources reconcile at $365,811.12 each. Not a Closing Disclosure.