Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$159,190Cash toward the purchase price.
Closing costs + prepaids$11,450Not just lender fees.
Before credits & paid funds$170,641The complete starting cash picture.
Estimated remaining funds due at closing
$170,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,190.28
Your down payment$159,190.28
Closing costs + prepaids$11,450.26
Total buyer cash needed$170,640.54
Remaining funds due$170,640.54
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%)$979.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.75
Initial HOA (3 months)$600.00
Prepaid interest, first (28 days)$689.46
Fees + prepaids$11,450.26
Your down payment is the seller’s equity. You take over the $195,810 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $170,640.54 is due at closing. Uses and sources reconcile at $366,450.26 each. Not a Closing Disclosure.