Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$157,361Cash toward the purchase price.
Closing costs + prepaids$11,420Not just lender fees.
Before credits & paid funds$168,781The complete starting cash picture.
Estimated remaining funds due at closing
$168,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,360.64
Your down payment$157,360.64
Closing costs + prepaids$11,420.19
Total buyer cash needed$168,780.83
Remaining funds due$168,780.83
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%)$3,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,088.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$937.50
Initial HOA (3 months)$42.51
Prepaid interest, first (23 days)$384.00
Fees + prepaids$11,420.19
Your down payment is the seller’s equity. You take over the $217,638 balance, so the rest of the $374,999 price is paid at closing. A second mortgage can cover part of it. $168,780.83 is due at closing. Uses and sources reconcile at $386,419.19 each. Not a Closing Disclosure.