Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$148,695Cash toward the purchase price.
Closing costs + prepaids$11,252Not just lender fees.
Before credits & paid funds$159,948The complete starting cash picture.
Estimated remaining funds due at closing
$159,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,695.44
Your down payment$148,695.44
Closing costs + prepaids$11,252.42
Total buyer cash needed$159,947.87
Remaining funds due$159,947.87
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,056.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$882.00
Prepaid interest, first (28 days)$497.40
Fees + prepaids$11,252.42
Your down payment is the seller’s equity. You take over the $211,205 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $159,947.87 is due at closing. Uses and sources reconcile at $371,152.42 each. Not a Closing Disclosure.