Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$221,276Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$232,358The complete starting cash picture.
Estimated remaining funds due at closing
$232,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,275.94
Your down payment$221,275.94
Closing costs + prepaids$11,081.57
Total buyer cash needed$232,357.51
Remaining funds due$232,357.51
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%)$3,659.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$723.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$914.75
Initial HOA (3 months)$48.51
Prepaid interest, first (26 days)$518.19
Fees + prepaids$11,081.57
Your down payment is the seller’s equity. You take over the $144,624 balance, so the rest of the $365,900 price is paid at closing. A second mortgage can cover part of it. $232,357.51 is due at closing. Uses and sources reconcile at $376,981.57 each. Not a Closing Disclosure.