Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$172,167Cash toward the purchase price.
Closing costs + prepaids$10,420Not just lender fees.
Before credits & paid funds$182,586The complete starting cash picture.
Estimated remaining funds due at closing
$182,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,166.65
Your down payment$172,166.65
Closing costs + prepaids$10,419.63
Total buyer cash needed$182,586.28
Remaining funds due$182,586.28
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$939.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$276.00
Initial HOA (3 months)$372.00
Prepaid interest, first (1 days)$14.46
Fees + prepaids$10,419.63
Your down payment is the seller’s equity. You take over the $187,833 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $182,586.28 is due at closing. Uses and sources reconcile at $370,419.63 each. Not a Closing Disclosure.