Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$157,361Cash toward the purchase price.
Closing costs + prepaids$11,554Not just lender fees.
Before credits & paid funds$168,914The complete starting cash picture.
Estimated remaining funds due at closing
$168,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,360.64
Your down payment$157,360.64
Closing costs + prepaids$11,553.75
Total buyer cash needed$168,914.39
Remaining funds due$168,914.39
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%)$3,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,088.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.50
Initial HOA (3 months)$42.51
Prepaid interest, first (31 days)$517.56
Fees + prepaids$11,553.75
Your down payment is the seller’s equity. You take over the $217,638 balance, so the rest of the $374,999 price is paid at closing. A second mortgage can cover part of it. $168,914.39 is due at closing. Uses and sources reconcile at $386,552.75 each. Not a Closing Disclosure.