Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$166,869Cash toward the purchase price.
Closing costs + prepaids$11,680Not just lender fees.
Before credits & paid funds$178,549The complete starting cash picture.
Estimated remaining funds due at closing
$178,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,868.97
Your down payment$166,868.97
Closing costs + prepaids$11,679.68
Total buyer cash needed$178,548.64
Remaining funds due$178,548.64
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,090.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,129.75
Initial HOA (3 months)$9.99
Prepaid interest, first (22 days)$381.28
Fees + prepaids$11,679.68
Your down payment is the seller’s equity. You take over the $218,131 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $178,548.64 is due at closing. Uses and sources reconcile at $396,679.68 each. Not a Closing Disclosure.