Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$155,080Cash toward the purchase price.
Closing costs + prepaids$10,784Not just lender fees.
Before credits & paid funds$165,864The complete starting cash picture.
Estimated remaining funds due at closing
$165,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,079.65
Your down payment$155,079.65
Closing costs + prepaids$10,784.40
Total buyer cash needed$165,864.05
Remaining funds due$165,864.05
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%)$3,563.10
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,006.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$160.25
Prepaid interest, first (23 days)$836.90
Fees + prepaids$10,784.40
Your down payment is the seller’s equity. You take over the $201,230 balance, so the rest of the $356,310 price is paid at closing. A second mortgage can cover part of it. $165,864.05 is due at closing. Uses and sources reconcile at $367,094.40 each. Not a Closing Disclosure.