Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$155,993Cash toward the purchase price.
Closing costs + prepaids$11,236Not just lender fees.
Before credits & paid funds$167,229The complete starting cash picture.
Estimated remaining funds due at closing
$167,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,992.87
Your down payment$155,992.87
Closing costs + prepaids$11,235.77
Total buyer cash needed$167,228.64
Remaining funds due$167,228.64
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$995.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$355.00
Initial HOA (3 months)$702.00
Prepaid interest, first (25 days)$415.73
Fees + prepaids$11,235.77
Your down payment is the seller’s equity. You take over the $199,007 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $167,228.64 is due at closing. Uses and sources reconcile at $366,235.77 each. Not a Closing Disclosure.