Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$158,586Cash toward the purchase price.
Closing costs + prepaids$11,746Not just lender fees.
Before credits & paid funds$170,332The complete starting cash picture.
Estimated remaining funds due at closing
$170,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,585.79
Your down payment$158,585.79
Closing costs + prepaids$11,746.26
Total buyer cash needed$170,332.05
Remaining funds due$170,332.05
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%)$1,007.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.25
Initial HOA (3 months)$900.00
Prepaid interest, first (31 days)$632.94
Fees + prepaids$11,746.26
Your down payment is the seller’s equity. You take over the $201,414 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $170,332.05 is due at closing. Uses and sources reconcile at $371,746.26 each. Not a Closing Disclosure.