Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$179,986Cash toward the purchase price.
Closing costs + prepaids$11,623Not just lender fees.
Before credits & paid funds$191,609The complete starting cash picture.
Estimated remaining funds due at closing
$191,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,985.83
Your down payment$179,985.83
Closing costs + prepaids$11,623.13
Total buyer cash needed$191,608.96
Remaining funds due$191,608.96
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%)$900.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,214.25
Prepaid interest, first (23 days)$690.81
Fees + prepaids$11,623.13
Your down payment is the seller’s equity. You take over the $180,014 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $191,608.96 is due at closing. Uses and sources reconcile at $371,623.13 each. Not a Closing Disclosure.