Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$162,002Cash toward the purchase price.
Closing costs + prepaids$11,310Not just lender fees.
Before credits & paid funds$173,311The complete starting cash picture.
Estimated remaining funds due at closing
$173,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,001.67
Your down payment$162,001.67
Closing costs + prepaids$11,309.80
Total buyer cash needed$173,311.47
Remaining funds due$173,311.47
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%)$964.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$993.50
Initial HOA (3 months)$186.00
Prepaid interest, first (26 days)$397.31
Fees + prepaids$11,309.80
Your down payment is the seller’s equity. You take over the $192,998 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $173,311.47 is due at closing. Uses and sources reconcile at $366,309.80 each. Not a Closing Disclosure.