Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,804Cash toward the purchase price.
Closing costs + prepaids$11,384Not just lender fees.
Before credits & paid funds$157,188The complete starting cash picture.
Estimated remaining funds due at closing
$157,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,804.13
Your down payment$145,804.13
Closing costs + prepaids$11,383.62
Total buyer cash needed$157,187.76
Remaining funds due$157,187.76
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,115.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$926.00
Initial HOA (3 months)$75.00
Prepaid interest, first (23 days)$358.64
Fees + prepaids$11,383.62
Your down payment is the seller’s equity. You take over the $223,196 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $157,187.76 is due at closing. Uses and sources reconcile at $380,383.62 each. Not a Closing Disclosure.