Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$148,123Cash toward the purchase price.
Closing costs + prepaids$11,717Not just lender fees.
Before credits & paid funds$159,840The complete starting cash picture.
Estimated remaining funds due at closing
$159,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,122.69
Your down payment$148,122.69
Closing costs + prepaids$11,716.93
Total buyer cash needed$159,839.62
Remaining funds due$159,839.62
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,108.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.25
Initial HOA (3 months)$624.00
Prepaid interest, first (30 days)$526.80
Fees + prepaids$11,716.93
Your down payment is the seller’s equity. You take over the $221,777 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $159,839.62 is due at closing. Uses and sources reconcile at $381,616.93 each. Not a Closing Disclosure.