Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$175,855Cash toward the purchase price.
Closing costs + prepaids$11,388Not just lender fees.
Before credits & paid funds$187,243The complete starting cash picture.
Estimated remaining funds due at closing
$187,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,854.64
Your down payment$175,854.64
Closing costs + prepaids$11,387.96
Total buyer cash needed$187,242.60
Remaining funds due$187,242.60
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%)$3,585.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$913.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$913.75
Initial HOA (3 months)$150.00
Prepaid interest, first (25 days)$607.98
Fees + prepaids$11,387.96
Your down payment is the seller’s equity. You take over the $182,645 balance, so the rest of the $358,500 price is paid at closing. A second mortgage can cover part of it. $187,242.60 is due at closing. Uses and sources reconcile at $369,887.96 each. Not a Closing Disclosure.