Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$165,665Cash toward the purchase price.
Closing costs + prepaids$11,674Not just lender fees.
Before credits & paid funds$177,339The complete starting cash picture.
Estimated remaining funds due at closing
$177,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,664.60
Your down payment$165,664.60
Closing costs + prepaids$11,674.33
Total buyer cash needed$177,338.92
Remaining funds due$177,338.92
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%)$3,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,011.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,299.00
Prepaid interest, first (28 days)$465.65
Fees + prepaids$11,674.33
Your down payment is the seller’s equity. You take over the $202,335 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $177,338.92 is due at closing. Uses and sources reconcile at $379,674.33 each. Not a Closing Disclosure.