Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$223,155Cash toward the purchase price.
Closing costs + prepaids$11,809Not just lender fees.
Before credits & paid funds$234,964The complete starting cash picture.
Estimated remaining funds due at closing
$234,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,154.86
Your down payment$223,154.86
Closing costs + prepaids$11,808.84
Total buyer cash needed$234,963.70
Remaining funds due$234,963.70
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%)$3,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$734.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$359.00
Initial HOA (3 months)$1,500.00
Prepaid interest, first (27 days)$297.63
Fees + prepaids$11,808.84
Your down payment is the seller’s equity. You take over the $146,844 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $234,963.70 is due at closing. Uses and sources reconcile at $381,807.84 each. Not a Closing Disclosure.