Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$174,617Cash toward the purchase price.
Closing costs + prepaids$11,048Not just lender fees.
Before credits & paid funds$185,665The complete starting cash picture.
Estimated remaining funds due at closing
$185,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,616.73
Your down payment$174,616.73
Closing costs + prepaids$11,048.28
Total buyer cash needed$185,665.01
Remaining funds due$185,665.01
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%)$3,660.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$956.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$839.00
Initial HOA (3 months)$345.00
Prepaid interest, first (2 days)$29.36
Fees + prepaids$11,048.28
Your down payment is the seller’s equity. You take over the $191,383 balance, so the rest of the $366,000 price is paid at closing. A second mortgage can cover part of it. $185,665.01 is due at closing. Uses and sources reconcile at $377,048.28 each. Not a Closing Disclosure.