Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$144,412Cash toward the purchase price.
Closing costs + prepaids$10,781Not just lender fees.
Before credits & paid funds$155,193The complete starting cash picture.
Estimated remaining funds due at closing
$155,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,412.14
Your down payment$144,412.14
Closing costs + prepaids$10,780.92
Total buyer cash needed$155,193.06
Remaining funds due$155,193.06
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%)$3,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,102.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$767.75
Prepaid interest, first (2 days)$43.74
Fees + prepaids$10,780.92
Your down payment is the seller’s equity. You take over the $220,488 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $155,193.06 is due at closing. Uses and sources reconcile at $375,680.92 each. Not a Closing Disclosure.