Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$147,467Cash toward the purchase price.
Closing costs + prepaids$12,748Not just lender fees.
Before credits & paid funds$160,215The complete starting cash picture.
Estimated remaining funds due at closing
$160,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,467.28
Your down payment$147,467.28
Closing costs + prepaids$12,747.74
Total buyer cash needed$160,215.03
Remaining funds due$160,215.03
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%)$3,729.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,127.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,537.75
Initial HOA (3 months)$504.00
Prepaid interest, first (31 days)$631.83
Fees + prepaids$12,747.74
Your down payment is the seller’s equity. You take over the $225,433 balance, so the rest of the $372,900 price is paid at closing. A second mortgage can cover part of it. $160,215.03 is due at closing. Uses and sources reconcile at $385,647.74 each. Not a Closing Disclosure.