Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$155,817Cash toward the purchase price.
Closing costs + prepaids$12,303Not just lender fees.
Before credits & paid funds$168,120The complete starting cash picture.
Estimated remaining funds due at closing
$168,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,816.73
Your down payment$155,816.73
Closing costs + prepaids$12,303.03
Total buyer cash needed$168,119.77
Remaining funds due$168,119.77
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%)$3,699.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,070.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,809.50
Initial HOA (3 months)$33.00
Prepaid interest, first (30 days)$471.77
Fees + prepaids$12,303.03
Your down payment is the seller’s equity. You take over the $214,173 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $168,119.77 is due at closing. Uses and sources reconcile at $382,293.03 each. Not a Closing Disclosure.