Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$163,251Cash toward the purchase price.
Closing costs + prepaids$12,337Not just lender fees.
Before credits & paid funds$175,588The complete starting cash picture.
Estimated remaining funds due at closing
$175,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,250.84
Your down payment$163,250.84
Closing costs + prepaids$12,337.21
Total buyer cash needed$175,588.05
Remaining funds due$175,588.05
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%)$3,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,018.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,757.00
Initial HOA (3 months)$258.99
Prepaid interest, first (25 days)$414.48
Fees + prepaids$12,337.21
Your down payment is the seller’s equity. You take over the $203,749 balance, so the rest of the $367,000 price is paid at closing. A second mortgage can cover part of it. $175,588.05 is due at closing. Uses and sources reconcile at $379,337.21 each. Not a Closing Disclosure.