Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$146,863Cash toward the purchase price.
Closing costs + prepaids$11,543Not just lender fees.
Before credits & paid funds$158,406The complete starting cash picture.
Estimated remaining funds due at closing
$158,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,862.57
Your down payment$146,862.57
Closing costs + prepaids$11,542.96
Total buyer cash needed$158,405.53
Remaining funds due$158,405.53
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%)$3,789.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,160.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$878.00
Prepaid interest, first (27 days)$497.77
Fees + prepaids$11,542.96
Your down payment is the seller’s equity. You take over the $232,037 balance, so the rest of the $378,900 price is paid at closing. A second mortgage can cover part of it. $158,405.53 is due at closing. Uses and sources reconcile at $390,442.96 each. Not a Closing Disclosure.