Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$221,722Cash toward the purchase price.
Closing costs + prepaids$10,738Not just lender fees.
Before credits & paid funds$232,460The complete starting cash picture.
Estimated remaining funds due at closing
$232,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,721.56
Your down payment$221,721.56
Closing costs + prepaids$10,738.25
Total buyer cash needed$232,459.81
Remaining funds due$232,459.81
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$716.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$517.00
Initial HOA (3 months)$366.00
Prepaid interest, first (23 days)$270.86
Fees + prepaids$10,738.25
Your down payment is the seller’s equity. You take over the $143,278 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $232,459.81 is due at closing. Uses and sources reconcile at $375,738.25 each. Not a Closing Disclosure.