Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$168,196Cash toward the purchase price.
Closing costs + prepaids$11,567Not just lender fees.
Before credits & paid funds$179,764The complete starting cash picture.
Estimated remaining funds due at closing
$179,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,196.46
Your down payment$168,196.46
Closing costs + prepaids$11,567.30
Total buyer cash needed$179,763.77
Remaining funds due$179,763.77
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,009.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.50
Initial HOA (3 months)$524.01
Prepaid interest, first (23 days)$368.78
Fees + prepaids$11,567.30
Your down payment is the seller’s equity. You take over the $201,804 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $179,763.77 is due at closing. Uses and sources reconcile at $381,567.30 each. Not a Closing Disclosure.