Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$147,897Cash toward the purchase price.
Closing costs + prepaids$13,549Not just lender fees.
Before credits & paid funds$161,447The complete starting cash picture.
Estimated remaining funds due at closing
$161,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,897.30
Your down payment$147,897.30
Closing costs + prepaids$13,549.34
Total buyer cash needed$161,446.64
Remaining funds due$161,446.64
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,105.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$922.50
Initial HOA (3 months)$1,923.00
Prepaid interest, first (28 days)$690.33
Fees + prepaids$13,549.34
Your down payment is the seller’s equity. You take over the $221,103 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $161,446.64 is due at closing. Uses and sources reconcile at $382,549.34 each. Not a Closing Disclosure.