Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$151,214Cash toward the purchase price.
Closing costs + prepaids$11,198Not just lender fees.
Before credits & paid funds$162,411The complete starting cash picture.
Estimated remaining funds due at closing
$162,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,213.77
Your down payment$151,213.77
Closing costs + prepaids$11,197.58
Total buyer cash needed$162,411.35
Remaining funds due$162,411.35
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,043.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$900.00
Prepaid interest, first (28 days)$435.65
Fees + prepaids$11,197.58
Your down payment is the seller’s equity. You take over the $208,786 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $162,411.35 is due at closing. Uses and sources reconcile at $371,197.58 each. Not a Closing Disclosure.