Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$137,384Cash toward the purchase price.
Closing costs + prepaids$10,510Not just lender fees.
Before credits & paid funds$147,894The complete starting cash picture.
Estimated remaining funds due at closing
$147,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,383.99
Your down payment$137,383.99
Closing costs + prepaids$10,509.97
Total buyer cash needed$147,893.96
Remaining funds due$147,893.96
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%)$1,037.58
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 (2 days)$75.39
Fees + prepaids$10,509.97
Your down payment is the seller’s equity. You take over the $207,516 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $147,893.96 is due at closing. Uses and sources reconcile at $355,409.97 each. Not a Closing Disclosure.