Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$161,084Cash toward the purchase price.
Closing costs + prepaids$10,349Not just lender fees.
Before credits & paid funds$171,433The complete starting cash picture.
Estimated remaining funds due at closing
$171,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,084.06
Your down payment$161,084.06
Closing costs + prepaids$10,348.79
Total buyer cash needed$171,432.85
Remaining funds due$171,432.85
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,044.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$81.25
Prepaid interest, first (24 days)$304.96
Fees + prepaids$10,348.79
Your down payment is the seller’s equity. You take over the $208,916 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $171,432.85 is due at closing. Uses and sources reconcile at $380,348.79 each. Not a Closing Disclosure.