Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$167,866Cash toward the purchase price.
Closing costs + prepaids$12,555Not just lender fees.
Before credits & paid funds$180,421The complete starting cash picture.
Estimated remaining funds due at closing
$180,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,866.17
Your down payment$167,866.17
Closing costs + prepaids$12,555.09
Total buyer cash needed$180,421.26
Remaining funds due$180,421.26
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%)$985.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,551.50
Initial HOA (3 months)$111.00
Prepaid interest, first (28 days)$1,038.92
Fees + prepaids$12,555.09
Your down payment is the seller’s equity. You take over the $197,134 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $180,421.26 is due at closing. Uses and sources reconcile at $377,555.09 each. Not a Closing Disclosure.