Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$146,321Cash toward the purchase price.
Closing costs + prepaids$10,835Not just lender fees.
Before credits & paid funds$157,156The complete starting cash picture.
Estimated remaining funds due at closing
$157,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,321.16
Your down payment$146,321.16
Closing costs + prepaids$10,835.20
Total buyer cash needed$157,156.36
Remaining funds due$157,156.36
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,013.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.50
Initial HOA (3 months)$180.00
Prepaid interest, first (21 days)$402.30
Fees + prepaids$10,835.20
Your down payment is the seller’s equity. You take over the $202,679 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $157,156.36 is due at closing. Uses and sources reconcile at $359,835.20 each. Not a Closing Disclosure.