Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$149,990Cash toward the purchase price.
Closing costs + prepaids$11,426Not just lender fees.
Before credits & paid funds$161,416The complete starting cash picture.
Estimated remaining funds due at closing
$161,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,990.07
Your down payment$149,990.07
Closing costs + prepaids$11,425.67
Total buyer cash needed$161,415.75
Remaining funds due$161,415.75
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%)$3,729.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,114.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$932.25
Initial HOA (3 months)$20.01
Prepaid interest, first (24 days)$411.86
Fees + prepaids$11,425.67
Your down payment is the seller’s equity. You take over the $222,910 balance, so the rest of the $372,900 price is paid at closing. A second mortgage can cover part of it. $161,415.75 is due at closing. Uses and sources reconcile at $384,325.67 each. Not a Closing Disclosure.