Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$149,373Cash toward the purchase price.
Closing costs + prepaids$12,377Not just lender fees.
Before credits & paid funds$161,750The complete starting cash picture.
Estimated remaining funds due at closing
$161,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,373.26
Your down payment$149,373.26
Closing costs + prepaids$12,377.05
Total buyer cash needed$161,750.31
Remaining funds due$161,750.31
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,028.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,162.00
Prepaid interest, first (26 days)$418.92
Fees + prepaids$12,377.05
Your down payment is the seller’s equity. You take over the $205,627 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $161,750.31 is due at closing. Uses and sources reconcile at $367,377.05 each. Not a Closing Disclosure.