Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$157,838Cash toward the purchase price.
Closing costs + prepaids$11,557Not just lender fees.
Before credits & paid funds$169,395The complete starting cash picture.
Estimated remaining funds due at closing
$169,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,837.73
Your down payment$157,837.73
Closing costs + prepaids$11,557.14
Total buyer cash needed$169,394.87
Remaining funds due$169,394.87
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,085.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$576.75
Prepaid interest, first (27 days)$928.08
Fees + prepaids$11,557.14
Your down payment is the seller’s equity. You take over the $217,062 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $169,394.87 is due at closing. Uses and sources reconcile at $386,457.14 each. Not a Closing Disclosure.