Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$147,740Cash toward the purchase price.
Closing costs + prepaids$12,167Not just lender fees.
Before credits & paid funds$159,906The complete starting cash picture.
Estimated remaining funds due at closing
$159,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,739.55
Your down payment$147,739.55
Closing costs + prepaids$12,166.51
Total buyer cash needed$159,906.06
Remaining funds due$159,906.06
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%)$3,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,061.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,713.25
Prepaid interest, first (30 days)$573.97
Fees + prepaids$12,166.51
Your down payment is the seller’s equity. You take over the $212,259 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $159,906.06 is due at closing. Uses and sources reconcile at $372,165.51 each. Not a Closing Disclosure.