Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$153,497Cash toward the purchase price.
Closing costs + prepaids$13,404Not just lender fees.
Before credits & paid funds$166,901The complete starting cash picture.
Estimated remaining funds due at closing
$166,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,497.00
Your down payment$153,497.00
Closing costs + prepaids$13,404.45
Total buyer cash needed$166,901.45
Remaining funds due$166,901.45
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,032.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,860.25
Initial HOA (3 months)$1,305.00
Prepaid interest, first (23 days)$390.19
Fees + prepaids$13,404.45
Your down payment is the seller’s equity. You take over the $206,403 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $166,901.45 is due at closing. Uses and sources reconcile at $373,304.45 each. Not a Closing Disclosure.