Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$153,870Cash toward the purchase price.
Closing costs + prepaids$11,105Not just lender fees.
Before credits & paid funds$164,975The complete starting cash picture.
Estimated remaining funds due at closing
$164,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,869.98
Your down payment$153,869.98
Closing costs + prepaids$11,104.89
Total buyer cash needed$164,974.87
Remaining funds due$164,974.87
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%)$3,649.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,055.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$107.00
Initial HOA (3 months)$228.00
Prepaid interest, first (22 days)$846.25
Fees + prepaids$11,104.89
Your down payment is the seller’s equity. You take over the $211,129 balance, so the rest of the $364,999 price is paid at closing. A second mortgage can cover part of it. $164,974.87 is due at closing. Uses and sources reconcile at $376,103.89 each. Not a Closing Disclosure.