Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$148,611Cash toward the purchase price.
Closing costs + prepaids$11,698Not just lender fees.
Before credits & paid funds$160,309The complete starting cash picture.
Estimated remaining funds due at closing
$160,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,610.91
Your down payment$148,610.91
Closing costs + prepaids$11,697.72
Total buyer cash needed$160,308.63
Remaining funds due$160,308.63
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,131.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,101.25
Prepaid interest, first (29 days)$498.02
Fees + prepaids$11,697.72
Your down payment is the seller’s equity. You take over the $226,289 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $160,308.63 is due at closing. Uses and sources reconcile at $386,597.72 each. Not a Closing Disclosure.